Do I have to pay deductible if someone hits my parked car?

Asked by: Marcos Leuschke  |  Last update: March 18, 2025
Score: 4.8/5 (2 votes)

With both collision and uninsured motorist property damage coverage, you may be responsible for paying a deductible before your insurance provider will help pay for the damage. Your coverage will also be subject to your policy limits, which is the maximum amount your insurance will pay for a covered claim.

Do I have to pay a deductible if someone hits my car?

In California, determining fault is crucial in deciding who ultimately pays the deductible. California follows a “fault” insurance system, meaning the driver responsible for causing the accident pays for the damages through their insurance company.

Do I tell my insurance if someone hits my parked car?

Your insurance agreement probably says you are obligated to report this. If you don't follow the terms of your agreement, your insurer might have a basis to deny coverage. It's almost always better to tell them.

Why do I have to pay deductible when it's not my fault?

Generally speaking, you owe the deductible whenever you use your own first party coverage to pay for damage to your car. Has nothing to do with fault, except that the at fault driver (and their insurance) may ultimately cover your damages, which includes your deductible.

Do I get paid if someone hits my parked car?

Does insurance cover damages if someone hits my parked car? In many instances, your insurance company will help cover the cost of repairs, but it depends on the type of coverage you have in place. Damage to a parked car would typically be covered under collision coverage.

Do I Have To Pay Deductible If My Car Is Hit While Parked?

28 related questions found

How does insurance work when someone hits your car?

Collision coverage typically helps pay to repair or replace your vehicle if it's hit by another vehicle (or if you hit another vehicle or object), regardless of who is at fault. Even if you cannot find the other driver, you may be able to file a claim under your own auto insurance policy's collision coverage.

What happens if you hit someone's parked car and drove off?

What happens if you hit a parked car and drive off? If you don't stop, you may well hear from the police. There could be CCTV or witnesses who can prove you were at the scene. Even if you prang a car on a deserted street at night, make sure you leave your details or report the incident.

Do you pay a deductible if you don't fix your car?

To repair your vehicle you pay your portion (deductible) to the repair shop and your carrier pays the rest. Unless you're trying to get your vehicle fixed/repaired, you don't have to pay a deductible.

Is it better to have a $500 deductible or $1000?

Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.

Do I have to pay deductible if I was not at fault AAA?

For collision claims, the deductible generally applies. In most markets, when you're not at fault for an accident, we can waive the deductible if we can identify the other party, that they're at fault, and their insurance carrier confirms they have valid liability coverage for the accident.

Is it better to file a claim with your insurance or theirs?

After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them.

What to do if someone claims you hit their car?

What to Do If Someone Falsely Claims You Hit Their Car
  1. Evaluate the Situation.
  2. Speak to the Other Party Politely.
  3. Take Photos and Videos.
  4. Gather Witnesses.
  5. Check for Nearby Cameras.
  6. Report the Incident.
  7. Explain Your Side Clearly.
  8. When to Consult an Attorney.

Do you have to pay deductible if not your fault?

If your coverage includes a Direct Compensation and Property Damage (DCPD) deductible, you must still pay the DCPD deductible even if you are not at fault.

How to avoid paying deductible?

How Can I Avoid Paying a Car Insurance Deductible?
  1. Choose not to file a claim until you have the money.
  2. Check your policy, as you may not have to pay up front.
  3. Work out a deal with your mechanic.
  4. Get a loan.

Do I have to pay deductible if I was not at fault with Allstate?

Will I have to pay my deductible if I'm not at fault? It's possible, but we will do our best to recover the amount paid from the person responsible, including your deductible.

Do I have to pay deductible if I was not at fault progressive?

If a driver hits you, your collision coverage will still cover the damage to your vehicle, but you won't have to pay your deductible. In some states, the driver must also be uninsured for a CDW to apply.

Do I get my deductible back if I'm not at fault?

Yes, if you have to pay your deductible and you were not at fault, you may be able to get it back from the at-fault driver's insurance company. This is called subrogation. Your insurance company will pursue the at-fault driver's insurance company to recover the money paid for the damages, including your deductible.

Do I have to pay deductible if I was not at fault with Geico?

Let's say your vehicle is damaged due to another driver's negligence. Once GEICO settles your claim, we'll likely seek to recover your deductible, as well as the amount we paid, from the negligent party or that party's insurance company.

Will my insurance pay if I hit someone?

Collision Insurance: Collision insurance covers damage to your car caused by a collision with another driver or a physical object. For example, if you hit an object or another car, collision insurance will pay for repairs to your vehicle.

Do you get your deductible back if your car is totaled?

If your car is totaled after a fire, weather-related event, or collision with an animal, comprehensive car insurance coverage will pay you the value of your vehicle, minus any deductible.

Do I have to pay my deductible if someone hits me on State Farm?

Your deductible is due to the repair shop once repairs are completed. If the other party is found to be at fault for the accident, we'll begin the deductible recovery process to reimburse you for the amount you paid for your loss.

Does insurance cover someone hitting your parked car?

If someone on the street hits or sideswipes your parked car and you can prove who caused the damage, their insurance should cover you. If you don't know or can't prove who hit your car but have collision or UMPD coverage, your insurance should cover the damages.

What happens if you don't report an accident within 24 hours in the UK?

If you don't stop at the scene or report an incident you could be committing an offence and be charged. The penalties include: a fine. up to six months in prison.

What to do if someone hits your car but no damage?

You Should Report Your Accident Even If There Was No Damage

It is important to obtain a copy as it serves as valuable evidence for your case. While the report attempts to document most of the issues related to the incident, it is never all-inclusive.

What happens if I don't call my insurance after an accident?

There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract. When you signed it, you agreed to the stipulations in the contract, which will almost certainly include the requirement to notify the insurance company promptly after an accident.