Do I pay deductible if not at fault Progressive?
Asked by: Brielle Funk | Last update: October 3, 2025Score: 4.1/5 (41 votes)
Do I have to pay a deductible even if it's not my fault?
It depends on your insurance policy. Some insurance policies require you to pay your deductible even if you are not at fault, while others do not.
How to avoid paying a collision deductible?
If you don't want to pay that deductible, you can wait for your insurer to complete their liability investigation and determine who they think is at fault for the accident. If they determine the other party is at fault, you will be able to file through their policy and you will not have to pay a deductible.
Should I call my insurance if it wasn't my fault progressive?
Start the claims process
Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.
Who is responsible for paying the deductible?
Simply put, a deductible is the amount of money that the insured person must pay before their insurance policy starts paying for covered expenses.
Do You Have to Pay Your Deductible if You Are Not At Fault For A Car Accident?
Should I file a claim with my insurance if I'm not at fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Do you have to pay a deductible if someone hits your parked car?
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.
Will my insurance go up if I'm not at fault with Progressive?
It may seem unfair, but accidents that aren't your fault may still increase your rate depending on your state and insurer.
Is Progressive good about paying claims?
Progressive has an A+ (Superior) financial stability rating from the credit rating agency AM Best, meaning it is likely to honor its ongoing obligations to policyholders, such as paying claims.
Should I let my insurance know if it wasn't my fault?
Yes, it is generally advisable to notify your insurance company even if the accident wasn't your fault. Most insurance policies require policyholders to promptly report any accidents or incidents, regardless of fault.
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.
How do you get out of paying your deductible?
You can avoid paying your car insurance deductible for vehicle repairs by not filing a claim at all or by getting the mechanic to waive the deductible, which is possible but highly unlikely. In some cases, your insurer may also waive your comprehensive deductible for glass damage specifically.
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.
What happens when a car accident wasn't your fault?
The first step is to get the other party's car insurance information and then report the accident. You should call 911 or the police to respond to the scene. You must also report the accident to both your own insurer and theirs. Generally, this will start the claims process with the at-fault party's insurer.
Do you have to pay your deductible if you're 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 insurance pay if deductible is not met?
(For example, if your deductible is $1,000, your plan won't pay anything until you've met your $1,000 deductible for covered health care services subject to the deductible.)
Who is cheaper, Geico or Progressive?
GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.
Can you negotiate with Progressive?
You can negotiate with Progressive Insurance Company by sending the company a demand letter after an accident. The demand letter should provide information about the accident and all the damages caused by the incident. You can include evidence in the demand letter to support your claim.
Do insurance rates go up after a no-fault accident?
Yes, insurance rates may go up even if the accident is not your fault, depending on the circumstances of the accident, the types of coverage you have, and your claims history. However, the increase may not be as significant as it would for an at-fault accident.
Does Progressive forgive the first accident?
And some will have accident forgiveness available for purchase. Progressive offers free small accident forgiveness and large accident forgiveness for your first accident as part of our loyalty rewards program. You can also opt to pay for additional accident forgiveness benefits when you purchase your auto policy.
Should I file an insurance claim if I am at fault?
If you damage someone else's vehicle during a significant collision, and you're at fault, you should always file a claim.
How long do accidents stay on your record in Progressive?
Traffic violations, such as speeding, typically remain on your driving record for 3-5 years, depending on your state. At-fault accidents, DUI convictions, and other more serious violations may be considered for five years or more, depending on your insurer and state.
Should I pay the deductible if not at fault?
If You're Not at Fault
You can wait for the at-fault driver's insurance to pay directly for the damage to your vehicle. While this option means you won't need to pay a deductible, it could take time for the other insurer to approve the claim, assess the damage, and arrange repairs.
Will my insurance go up if someone hits my parked car Progressive?
Will my insurance go up if my parked car is hit by someone? If you file a claim with your own auto insurance company, you may see a rate increase. Filing a claim with the at-fault driver's insurance generally won't raise your rate since you're not the one who caused the damage.
Why do I have to pay a deductible if someone else hit me?
A deductible is commonly required with collision coverage, which is coverage that would protect you in an accident that's not your fault. You'd also pay a deductible with comprehensive coverage and sometimes with uninsured or underinsured coverage. If playback doesn't begin shortly, try restarting your device.