Do you have to pay your deductible if you’re not at fault

Do you have to pay your deductible if you’re not at fault for the accident?
My name is Barry Zlotowicz and I’m a Chicago personal injury lawyer. If you get in an auto accident and your car suffers property damage, do you have to pay your deductible even if you’re not at fault for the accident?
No, you are not required to. If you want, you can file a claim against the defendant’s insurance company and have them pay for your property damage. However, this could result in delays.
The defendant’s insurance will not pay for the damage to your vehicle until they accept liability or responsibility for the accident. That could take a while, especially if you are in Los Angeles where it takes a couple months for the police to release your police report.
Your other option is to use your own auto insurance to pay for the property damage, assuming you have collision coverage. However, if you use your own insurance, you will likely have to pay your car insurance deductible to get your car fixed.
A deductible is a specific amount of money an insured has to pay before the insurance company pitches in to pay for the damage to your vehicle.
If you are not at fault for the accident, you will get your deductible back in most cases. Your insurance company will subrogate, or step in your shoes, and go after the defendant’s auto insurance for reimbursement for the money they put out to fix your car. When they recover, you will receive a check in the mail to reimburse you for the deductible.
There have been a few situations I’ve seen where our client did not have to pay their deductible even though they used their own insurance. For example, I had a few cases where both my client and the defendant were insured by the same company. In those cases, the deductible issue was handled “in-house” and my client did not have to put out the money to pay the deductible.
People often do wait for the other insurance company to accept responsibility because they cannot afford to pay their deductible or they don’t think they should have to because they were not at fault for the accident.
That’s fine. But beware, accident victims, even ones that were not responsible for the accident, have a duty to mitigate their damages.
So for example, let’s say you get hit and a tow company tows your car to their tow yard. While in their yard, your car will likely accrue storage charges. If you had the opportunity to get your car out of their tow yard but you did not, then the defendant’s insurance company is going to say you did not mitigate your damages in an effort to minimize your property damage recovery.
Now check out the LawFull video for more information and if you have any questions, leave them in the comments or contact me at [e-mail]

[@Big_LosF]

4yrs later an this video was extremely useful. Thank you

[@incogspectator3042]

You actually just answered a question I was confused about.

[@LawFull]

Glad I could help.

[@HermannTheGreat]

Thank you for these videos.

[@RosieBaseball]

Thank you for this educational video using examples from your client. I got into a fender bender and my insurance adjuster estimate the fix at $700 with a $500 deductible. GEICO cut me a check for $200. Since I was not at fault, I paid the deductible and will pursue reimbursement of my deductible through subrogation.

[@peternorthboro8121]

Excellent information.

[@naqviab]

Thank you!

[@manoypinoybikeandchill5017]

Thanks! Stay well.

[@bensucot]

Thank you very much for this video.

[@LawFull]

Benjamin Garcia Hi, thanks for watching. If you are interested in these topics, consider subscribing to the channel. Barry

[@leonroberson6571]

So this is my question. When I go to pay my deductible to the shop do I have to pay tax?

[@sunofsotep8265]

Excellent! Concise, thorough, clear and informative.

[@LawFull]

Thanks a lot for the comment. Anything else I can do for you? If you haven't already please subscribe to the channel or if you want to be notified when we release new videos sign up here: mailchi.mp/chicagolegalgroup/clg Thanks again. Barry

[@gennadiydik7001]

thanks!.. - that was very halpful on how deductibles work !

[@LawFull]

Glad I could help.

[@jennifercrawford2856]

Great information! My son backed into my moms car in my driveway. Her car sustained damage and she has comprehensive. His car didn't and he has liability only. Frankly, I parked my mom's car behind his instead of garage like usual and it was too dark to see so I can assume some of the blame. Based on what I heard from you, best way to file claim would be to file claim through my mom's insurance (I'll pay for her deductible).

[@LawFull]

That is viable. May impact rates etc.....

[@blessed1099]

This isn’t a comprehensive loss it’s a collision loss.

[@luanarciajamesmair9669]

Very clear and concisely explained. I was the victim of a car accident on 11/21/2021, the at fault driver got a citation. My Jeep was not driveable because the bolts on my tire was hit, so I wasn’t able to put a spare on. My insurance was made aware, the vehicle stayed at the tow company for 1 week, then transferred to my insurance collision center to be estimated for damages. It stayed out there another 2 weeks, bearing’ in mind all this time I am paying a total of $260 out of pocket for rental fees, for an accident that wasn’t my fault. I reached out personally to the at faults driver insurance and they stated my insurance will have to pay for everything because their clients insurance has a limit, I do not know what that means. So my insurance has proceeded to send my vehicle to a garage of my choice later on this week, but they reminded me that I will have to pay for all damages! What should I do? In the meantime I have to continue paying for rental! The damages estimated only $1200. I will end up paying much more for rental..I am lost for words

[@quintit]

this sounds awful, hope u get help

[@JerodM]

It depends on your coverage. If you have only liability coverage and no collision or other than collision (comprehensive) coverage, no rental reimbursement, then this is why everything would be out of pocket for you. 2nd, a limits issue is not a denial. They are simply saying (for example) we only have $10k of coverage, we believe your damages + loss of use will exceed that limit. When you have completed your repair process and paid for the rental, send us the total costs along with estimates, photos, invoices, and receipts. We will review and pay what we can up to our $10k limit. If your total was $13K, then you will need to determine how you will recover the $3K from the at fault party directly. There is a lot to unpack in what I’ve said, but each claim is merit based, so it may not look or sound anything like I said. You have to communicate with the adjusters for the insurance company to confirm how to get payment.

[@jianruli3750]

thank you for the info sir

[@matthewhoover6154]

In a case when a cyclist hit me by running through a stop sign on a tree lined bike trail, yes. Insurance couldn't recover my deductible in court. But I was just glad that the person wasn't injured.

[@LawFull]

Sorry to hear that. Yes no injuries is the good news.

[@elizabethulibarri9400]

I'm a caregiver and my client's son wanted me to go to care for his dad at his home which is 2 1/2 hours away from his home but instead I sent my coverage person to go but he didn't have a vehicle to go so the client's son said he could use his extra car so he did he was 32 miles away from arriving to the home of client when on this road a herd of deer came running hitting the car on the passenger side doing damage to front bumper now the client's son wants us to pay his deductible of $1,000 but we were not at fault here plus we found out the car didn't have its 2021 tags nor insurance at the time also client's son did not call police to get a police report my question is are we responsible to pay for his deductible? And he said they won't give me my paycheck until we pay his deductible for the damages and they are withholding a wheelchair that I paid $595.00 until we give them 1,000 cash is this right?

[@JerodM]

Great info! All correct

[@brightlight2138]

2 years ago, my neighbor backed up into me from his driveway while my vehicle was moving. His insurance was expired so I had to pay my deductible for my insurance to fix my car under uninsured motorist coverage. My insurance went after him but the case was eventually closed for whatever reason. I believe the guy walked free and I never got my deductible back.

[@LawFull]

Morning - that stinks. Sorry to hear that. You going to just let it go? Not sure what else you could do other than file a small claims lawsuit - but that would be suing your neighbor. And it's a lot of hassle and not sure its worth it....

[@teeebusbyyy9763]

Thank you

[@LawFull]

Thanks for taking a look.

[@robzombie8872]

Hi, Just yesterday in Fullerton Ca. I was rear ended by a Uber that got rear ended by a truck. I did not realize how much damage I actually had to my vehicle until the next day. I have a partial license plate number of the car that hit me. Other than that I do not have any other information on the other parties involved. Uninsured motorists coverage through State Farm states I at least have to have the information of the uninsured motorist for that to apply. I contacted the Fullerton Police to advise them of the situation which they recommended I file a report but I don’t have the information on the other drivers.

[@LawFull]

Hi, so you don't have the info on either of the other 2 drivers who were involved in the accident? Do you know if you have collision coverage?

[@dudewtf1776]

An SUV driver backed into the side of my newer car. I called his insurance and filed a claim. gave them all the info and pictures they requested. I called my insurance to let them know what was going on incase I had to file a claim though mine. My insurance kept nagging them until a month later I get a determination and his insurance pays for my car to get fixed. When you have a lease though, it really complicates things on your end. Edit: my deductible at the time was $1,000. If I had gone thought my insurance, I would have paid the full amount of the repair and some.(repair was only $800)

[@michaelweir3136]

Very helpful!

[@rajwinderbains4647]

I got my car hit by somebody while it was parked in a parking lot. I did provide the video footage to icbc but they say they can’t figure out the name plate for the person who hit it.

[@winkfielddesigns9865]

Hello! I have a question. My vehicle was hit on the freeway late at night and the other driver was at fault (he received a citation and on the police report it listed him as the “wrecker driver”) here in TX. I was not driving the vehicle, my friend was as I was very sick that same night. I called the at fault drivers insurance company and they said there’s already a claim open and they gave me the insurance adjusters contact information and said they would be calling soon. Am I to still report this to my insurance company or will the other company handle it? I’m not worried about it taking awhile as I have two vehicles but just didn’t know if I needed to report this to my personal insurance company. Also, I’ve switched insurance companies and the one the at fault driver took a photo of is not the accurate one as Im no longer with Liberty, I’m with GEICO. Do I call his insurance company to update this? Do I wait for the adjuster to ask? I wasn’t in the car, so wasn’t able to pull my new insurance card on my phone. It’s paperless. The older one was in the car at the time when my friend got into the wreck

[@aowales3316]

GREAT INFO... NOW I have a question what if the insurance make me believe there is a waiver of deductible, and now that is an accident, THEY DO NO WANT TO HONOR THAT, WHAT SHOULD I DO ? THANKS.

[@LawFull]

Hi, Im not sure I understand. Your insurance said you would get your deductible back and now you are not?

[@mandapanda3761]

me and my husband had to pay the tow company 350 to tow our truck to our house after a 15 year had hit use and now our insurance company won't reimburse use our money and the person who had hit use had no drivers license and she had no insurance. what should I do?

[@attitude8x]

Thank you so much for information. I was hit by a huge tire that flew right into my car. I was not at fault! Can I go through my insurance??

[@LawFull]

Hi, depends on the coverage you have. But check for sure.

[@2krazybeagles]

Ty this was very helpful, we were in accident last night. She was drunk running wrong way on interstate. We had a beautiful 2009 Cadillac, so this means we will get crap for our car being totaled? It was in mint condition.

[@LawFull]

Well... it's going to be based on the actual cash value of the car. And for a 2009, that could be minimal. Not to say you have to automatically accept it. You have options like appealing the decision etc etc.

[@joneschelsea118]

My parked car was hit my a dump truck. There were witnesses and they accepted fault. The insurance company is refusing to pay for the rental for all the days I was without a vehicle. I’ve had to miss multiple days of work because I had no transportation. I’ve emailed the insurance company a reimbursement request and if they don’t honor it I will take it to small claims court. Any advice?

[@LawFull]

Hi Chelsea, sounds like you're doing the right things. How much money/how many days are you talking about?

[@Eddieboss143]

Hey I just recently got in a car accident the other driver tried turning from the middle lane to the road on my left as I was on the left lane where I had the option to turn or go straight I have to shell out a 1000 deductible if I want the damages fixed rite away but I am not at fault I hate that this has to be this way simply Becuz the person does not want to admit fault.

[@KennethJarvisPLLC]

I missed 4 hours of work due to accident where I was rear ended. I was not physically injured. Am entitled to recover those lost wages? In Florida.

[@lasheikahalliburton8479]

I am in the same boat 🤦🏾‍♀️

[@cxa340]

Short answer - no. Im FL lost wages due to PD are non-recoverable

[@smoothshifter7348]

My girlfriend sideswiped another car when she borrowed my truck. There was very little to no damage at all but a scratch on the sideview mirror of the plaintiffs vehicle. They swapped insurances. She recieved a letter in the mail from the plaintiffs insurance to fill out details on the accident. I haven't heard anything from the plaintiffs insurance ever since and haven't notice an increase in my rate sense it was pretty much her fault. Does that mean the plaintiffs insurance did not proceed to cover the damages? This was way back in December of 2019 and it's July 2020.

[@LawFull]

Hi, hard for me to know. Could be. But if his insurance did cover it I would think they'd go after your insurance for reimbursement. But no news seems like good news in this case.

[@KingDrewPhilip]

I was involved in a hit a run, my parked car was hit and a police report given . In that police report , which my insurance now officially has, it has the info of the car who hit me , license plate number and vin number . Considered hit and run because the driver ran away from the car after the collision . So literally hit and run lol. In my case, because they have all the info on the car, but not the driver who ran away, do I stand a good chance at getting my deductible back? They impounded that car who hit me , but the driver just ran off. So it could have been a drunk driver scared to man up and face charges, or a stolen vehicle...or another complicated issue ... NOT insured himself .

[@bz3232]

Hi, depends on the deductible. You need to check what your insurance policy says. The adjuster is the best person to ask that question. Sorry I couldn't be more help. You're probably right that he fled the scene due to drinking etc.

[@alexandergonzalez8814]

Hey Andrew, I’m going threw the same problem atm . Did you end up getting your deductible back ? Deciding if I should use my Insurance or wait till what they tell me about the drives insurance.

[@KingDrewPhilip]

@@alexandergonzalez8814 Yes I did have to pay the deductible, 1000 bucks I believe it was. I got that money back but later on down the line. That’s the annoying thing about it. You pay the 1000 or whatever your deductible is, but you don’t actually get that money back until later. If I remember correctly, it was actually when the car repairs were already done.

[@zandymoxita]

Thank you. you answered many questions that I had , but also I have more 😓, I had an accident one month ago that I’m sure it wasn’t my fault but my car is damage , I made a claim with the insurance company the other person, also I did with mine, the point is that the insurance of the other person says that in responsible but the version is very diferente. I refuse to Pay de deductible, what can I do in this case? Thank you 🙏

[@LawFull]

Hi I'm a little confused - are you saying that the insurance for the other car is saying that YOU are at fault?

[@troyturner9551]

Recently I was involved in a car incident. I was hit from behind at a red light. I called both her insurance company and mine. My insurance company said, if the damages are at the deductible or below, they will not subrogate. Meaning they will not attempt to recover said deductible from her or her insurance. Her insurance company is dragging their feet and keep saying they are "investigating". My question is, is my insurance company correct that they can legally not get involved if the damages are below the deductible?

[@LawFull]

Morning Troy, I have never heard that before. However, that does not mean that it's not true. It would all depend on what it says in your insurance policy. I would ask them to show you where in the policy it says that....

[@manoypinoybikeandchill5017]

thanks! that was very educational on how deductibles work !

[@LawFull]

Thank you for the comment. Appreciated.

[@carlosmorgan8123]

Question if you are involved in accident in Private Parking Lot ( Mall/Store ). Both driver backing up IN THE SAME TIME who is the fault in PA.

[@LawFull]

Hey Carlos, really impossible for me to know as an outsider. Is there a camera in the parking lot you can get a hold of?

[@elvisalayon3608]

Great video. I was hoping you mentioned what if the they don't have insurance? I got rear ended plus 2 other cars. The police was around to arrest him. Got the report but it's saying the guy doesn't have insurance on the car amd state farm is saying that I should hire a attorney unless I wanna pay 1000 deductible. Should I have someone look at the damage first and then make a decision?

[@LawFull]

Hi. Thanks. Listen, if you didn't suffer any injuries, then hiring a lawyer probably is not an option. So I'm not sure what State Farm is talking about. If you want to try and seek reimbursement you can file a lawsuit against the other driver in small claims court. But chances are you won't be able to recover to be honest with you. Unfortunately, most of the time in a small case like this where the driver has to pay the deductible, you will get stuck having paid the deductible and will not get reimbursed. Not always but most times. Sorry I can't offer you better info or news on this. Barry

[@imppyify]

What if a third party hit my car when it was parked and I don't have the third party's insurance information, how then will I get my deductible back?

[@LawFull]

In that case there is not much you can do unfortunately

[@MeditationforBalance101]

my son hit boulders that came off a hillside from rain , couldn't see them due to cars in front of him...they have yet to take the car to the garage and look at the damage underneath but said they're gonna right out a check for the tires and wheels damage. but if its cashed wont that cancel them looking underneath it...can we send it to get looked at on our own ...i have full coverage and pay 315 monthly. its just seems shady to me. i ask him this question...he says if there is damage later they will cut another check ...i feel their lying

[@LawFull]

Sounds like it could depend on the laws in your state. Having said that, I have had supplemental estimates before after they pull the car apart and more damage is found....

[@crislawrencelaurente183]

Hi Barry! We ran into an accident last week. I was driving straight in a busy highway when a car at the right lane attempted to change lane and subsequently struck the passenger side (my wife's seat). Fortunately, nobody was injured but the car, on its right side, suffered severe dents and scratches. We already have a copy of the police report specifically stating that it was not our fault and called the insurance company (same insurance company as ours) of the other driver to file a claim. When we called to ask for updates, the adjuster told us that the liability investigation is still on going since the driver at fault is not yet responding and the approval of our claim depends on the cooperation of the other driver. Worst case scenario, if the other driver does not cooperate, what is the best thing that we can do? By the way, after the accident, someone pulled over and offer himself as a witness for the report and insurance claims. Can we make use of it to support our claim?

[@LawFull]

Hi, well if you have the same ins co I would think they would accept liab. Have you considered using your own ins to cover the damage - and ask them to waive the deductible since you both have the same ins co. And sure you can use the witness' statement if you need it.

[@crislawrencelaurente183]

@@LawFull We are considering our own insurance to cover the costs of the repair but we do not want to pay for the $500 deductible. Thanks for giving me the idea on the possibility of the deductible being waived due to having same insurance company. If the other driver does not cooperate, we will try doing that instead. Appreciated. Have a great day!

[@chrissanchez8730]

My car was hit while parked. The person who hit me claims the other party ran the stop sign causing him to swerve and hit my vehicle. 2nd party involved claims she did not run the stop sign and proceeded as normal. Both insurance companies are going back n forth on liability. I have a police report that states just that. Should I use my own insurance policy to repair my vehicle and will I get back 1k deductible back? Thank you

[@LawFull]

Hi Chris, that's what I would do. Then let your own insurance company subrogate against the defendants. When successful, you should get your deductible back. Barry

[@OfficialCynthiaHoney]

Please help I was in a parking lot and when I entered a car that was parked decided to reverse which ended in minor crash no cop report was made driver gave me all his info but he doesn’t have mine, now he said he made a claim ? But he only has my name and car vin

[@chasadie06]

What if they used the same insurance company? Someone backed into us and fled the scene but was caught on camera and the cops caught them as well... We have still not heard back from the insurance company about the claim even tho we have left messages. I thought it would go quicker since both parties had the same insurance but can't get an answer from them.

[@LawFull]

Generally if you use your insurance you pay the deductible. Could be different since you both have the same insurance company. Yet to be determined. Ask your adjuster.

[@e_boogiewavy8430]

I was involved in a car accident. The other driver side swipped my vehicle causing the passenger side to hit the median. I have dash cam footage to prove that they were at fault. Their insurance (state farm) is saying that they are not liable although i have submitted the video to them several times by my insurance and on my own. There was no police report. The driver that hit me said he would pay for the damages via text but he was taking too long to respond about when he would pay for the damages. I dont have collision in my insurance. What should i do next? I sent the dash cam video to them again. Should i get a lawyer involved? The damages are basically 2 dents, scratches and paint. I had an autobody shop look at it and they said it would be $2200 to repair.

[@LawFull]

Hi, no lawyer will get involved in a case of this size most likely.... Why don't you just file a lawsuit on your own against them in small claims court? That's what small claims are for - cases just like this.

[@videetsinghai9686]

I got rear ended, the highway patrol did not provide me with the report, they helped me get the other driver's insurance and DL who was at fault. I have started claim with my insurance to fix the car and I started a claim with the other driver's insurance. The other driver is not responding to the insurance company. What should be done? Also, my car value went down after this accident, how can I get that from insurance company? The driver's DL was expired when accident happened.

[@LawFull]

Sounds like you're doing all the right things... You can make a claim for 'diminished value' of your vehicle. I never did a video on that topic but if you look it up online you'll find plenty of info about it..

[@Mariacastillo-xx5xh]

Yes ....l was hit in a parking of a park and the other driver didn't have insurance....the adjuster wants me to pay for the dedactible.....$500 happened in long beach CA!

[@LawFull]

Yep if you use your insurance, you're going to be on the hook for the deductible unfortunately.....

[@rodneybever9583]

A couple things here I would like to clarify. First...the deductible is the amount of financial risk the insured agrees to take on themselves in favor of a lower premium. The lower the deductible is the more financial risk the provider is taking...thus higher premiums. Second...all premiums are based on risk. If you have gone 20 years without an accident and you are involved in one, most likely there will be no increase based on the accident but there may be increases for other reasons such as a chance in the crime rate, accident rate, weather changes in your area, and so forth. However, if a person is rear ended, for example, ten times in a calendar year that individual poses more of a financial risk to the company even though the individual may not be at fault for any of those accidents. I know that is an extreme example. I work in claims and I have to explain such things to people on a daily basis. Now about having to pay the deductible...it is not legal to go through subrogation for potential financial loss which is why the deductible has to be paid and then reimbursed through the subrogation process by the other parties provider.

[@LawFull]

Thanks for the comment

[@elvisalayon3608]

What if the guy has no insurance. Should I get a lawyer to have him pay? Or have it checked out to see how much would the cost of the repair would be ?

[@juanb1203]

So I have a question. My car was slammed into and the defendant was cited as being liable. I sent pictures to his insurance company and they wanted to total out my car. I took it to a body shop and he said he thinks it's fixable. So should I just have my insurance pay for the damage? My car is almost paid off and I don't want to have to run out and buy a new one.

[@LawFull]

Hey Juan, you can definitely try. I almost always recommend people use their own insurance if they can. Yes you'll have to pay your deductible up front. But the repairs will get fixed much quicker. In this case, your own insurance may not total the vehicle. Bring them the body shop's estimate and see what they say.... Barry

[@juanb1203]

Ok thank you!

[@knickle1300]

Hi Barry I was involved in a hit and run. I got license plate of person who did it. They were ticketed by police. I filed a claim with my insurance and their insurance. Am I allowed to do that and can I wait and see what their insurance company offers? Thank you for any help

[@LawFull]

Hi sure you can do that. You won't be able to double dip so to speak but see what they say....

[@VE0520]

what if I was parked and a car hit mine and run and all I got was his license plate. but there are no cameras or witnesses.this happened in nyc

[@LawFull]

Take the license plate to the police department and file a report. Then take it to your insurance company to pursue

[@karlanyskgtransport]

Luck you got the license plates mine I didn't see it

[@Jojo_Bee]

anyone can claim any vehicle hit them and dictate the license plate so without further proof on the scene itself, then your option is to report to insurance maybe even police. this will will allow them to search out, and once they find the vehicle, inspect if it has damages that can be related to yours. paint embedding, location of point of impact, etc., these are things they look out for. the key here is you got the license plate. good job.

[@amberferguson7666]

What is u had a hit and run police report says hit and run not at fault but insurance is trying to put it under collision insurance instead of non-insured motors

[@LawFull]

Hi Amber. Not entirely sure I understand your question. If you're asking if you still have to pay your deductible, so far as I've seen, if you use your own ins co you end up paying that deductible. But it might be different in your state.

[@manoypinoybikeandchill5017]

Hi! I had an accident last 2/13/2020 where me and my wife was dropping off a co- worker at her home, and we were parked as she was going out of my car, when a car backed up on us , damaging the door on the drivers side. The driver of the car owned to the accident and a police officer arrived on the scene for the report. A copy was given to me which I gave my insurance company together with the pictures of the damaged door. I paid the deductible to the repair shop. Should I be reimbursed the deductible? Thank you.

[@LawFull]

I've had mixed results. Sometimes your ins co will seek reimbursement of the deductible and you'll end up getting a check. But also seen times that reimbursement did not occur. Sorry I can't give you a concrete answer on this one. Ask your ins adjuster for a more precise answer is my suggestion. Barry

[@designssam]

Great video. Thankyou Question for you. 1. my Tesla was rear ended at a stop light when completely stopped 2. I have the dash cam video recording 3. Other driver had no insurance and was issued a citation 4. My insurance (progressive) charged me $500 deductible and a yearly insurance rate increase of $600. This is Michigan (no fault) What are my options here? Kindly share.

[@LawFull]

Morning - well, that's really a better question for your ins agent rather than a pi attorney. I'm sorry I can't be more helpful on this one.

[@JonGrossBroadcasting]

Hello! My car was hit a couple of days ago. I filed a claim with my insurance. This morning I got a call from the insurance company of the person who hit me. They said their client was at fault and they are accepting liability. Should I go through them or my insurance? Is it possible that my insurance and their insurance will have different payment amounts if my car is totaled? Thanks!

[@LawFull]

Hi, if you use your ins you'll have to pay the deductible. You'll likely get it back. That's the major difference. But yes each co's #'s will likely be different.

[@Huerlidi]

Yesterday a lady was trying to switch lanes and she ended up scratching my car door really bad. I contacted my insurance and they ruled it as a not at fault collision claim. I had questions about how the whole deductible is going to play out in my situation. If we both have the same insurance what happens when it’s ruled as a not at fault collision claim? Should I accept and pay the deductible for the repair cost but what if I don’t end up recovering the deductible? :(

[@LawFull]

Good morning, if she was trying to switch lanes, how can it be a 'not at fault' collision? You should push them on that. In terms of deductible, sounds like they're saying you're going to have to pay your deductible. Often when both parties have the same insurance they will waive the deductible.

[@JerodM]

It’s probably a disputed facts of loss that resulted in a word vs word decision based on a lack of evidence to objectively support one position over the other. Very common with lane change incidents.

[@Browninthadesert]

My car got totalled but I was not responsible. I was hit while in the right lane going on a straight road. They came from a side street to my right trying to turn left back towards the way I was coming. My front/right side of the bumper is pushed in & their front bumper is gone. My car insurance canceled me on the 27th, it is now the 12th.

[@LawFull]

Hi, sounds like you're not at fault. Did you have a specific question?

[@mar.3o]

I was involved in a slip and fall on the casino ground I have not contract with them at all they reject my claim what should I do and know I fell

[@LawFull]

Hello Shamar, I just saw this. I don't know why I wasn't notified that you put a post here. I apologize sincerely. Did you still want to talk about this? If so, email me at [e-mail] Barry

[@sallyyou]

thanks for the info. My car was recently hit in my apt complex parkinglot while being parked. My neighbor witnesses and alerted me, I walked out and saw my car was hit. I took pictures and called police but they said to file report online and didnt come. Person who hit my car has no insurance, and i an using my own to fix the car. deductible is around $1000 and rentals $1000, which would be extended if it takes longer to get the car back. person who hit my car is saying he wont be paying for deductible nor rental and insisting he will “fix it himself”.. would it be a good idea to sue this person?

[@LawFull]

Hi, hard for me to know if it's a good idea or not. Research filing suit in small claims court if the $$ amount is under the limit. If so, it wouldn't be that hard for you to do....

[@chuckbrown7717]

Does the defendant insurance reimburse the whole amount of auto damage and personal injuries to me or is it just the deductible amount?

[@LawFull]

Hi Vili, I'm a little confused about your question.... Could you clarify what you mean? Or if you want to talk about this just call me at 1-847-305-4105. I'm free all afternoon today - 4/1/2021

[@thalanduslee7756]

I was recently involved in a no fault accident and I had to pay my deductible my car was totaled my insurance paid my claim but shouldn’t the at fault insurance pay as well?

[@LawFull]

I would guess (just a guess) that your insurance co will attempt to seek reimbursement from the other ins co....

[@thatyoungdrama6365]

Thank you so much for your information was very useful! I appreciate you a lot! I had to pay the 500$ two times and I never got to see my 1k ever again is there anyway I can call my insurance and ask about The deductible I payed for when the two crashes happened? The two accidents was not my fault neither and witnesses and a police report?

[@LawFull]

Hi, thank you. Sure you can. But theres no guarantee you'll see that money unfortunately.........

[@ktchan7123]

I paid my deductible and my insurance also sent a subrogation letter to the at fault driver's insurance but they refused to pay. Their insurance was saying they can't reach the at fault driver and so case closed. What can you do next to chase the money back??

[@LawFull]

Hi, never had that situation. I guess file suit in small claims court if you really wanted to go through the aggravation.....

[@BL-Reactions]

I wait until I come up with the deductible and still drive my car back and forth to work

[@LawFull]

Thats an option if it still drives...

[@BL-Reactions]

@@LawFull yes it still drives thank you I really appreciate it sir I will follow more of your videos

[@CaribbeanTrendz]

Great video!!! Someone rear ended me about 2 weeks ago and when I got the police report I called my insurance and they said my deductible is a $1000 dollars, which I DON’T wanna pay outta my pocket. My car can still drive. Do you think I should wait on my insurance(allstate) or take the chance and just pay the deductible?

[@LawFull]

Hi, why would you have to wait on your own insurance? File a claim with the guy who hit you then you don't have to pay the deductible is what I would recommend. If you do use your insurance, you pay your deductible but your insurance company will likely subrogate so that you'll eventually hopefully get it back.

[@CaribbeanTrendz]

LawFull unfortunately I didn’t took the other guys informations personally(stupid of me). But the police officers did. I was a bit panic being as it was my first ever accident so all I did was call the police and waited for them to come. The only thing I did was take a pic of his license plate.

[@LawFull]

@@CaribbeanTrendz You'll be able to get it from the police report. Have you tried to acquire it yet? Depending on the department, it could be ready.

[@CaribbeanTrendz]

LawFull Yes, I got it Monday but I already called my insurance and started the claim. Am sorry I never ran into this video before I start doing anything. It’s very informative.

[@LawFull]

@@CaribbeanTrendz Thanks for that. Best of luck.

[@L4NCING]

some guy hit my parked vehicle i caught him and took pictures of his id and insurance. It's been 45 days since i filed a claim, and his insurance company called me and said he's not cooperating so they have to deny claim. What do I do from there, I don't want to to get away scott free after damaging my vehicle.

[@LawFull]

I've seen it before. You'd have to file a lawsuit against him unfortunately.

[@LawFull]

Or you can report it to your insurance company, get it repaired, let your insurance company go after him.

[@LadyRhondaP]

Hello I was hit by someone that came out of a parking lot in between waiting traffic and hit me in the middle lane.. I have witnesses including the police... He lied and his insurance isn’t investigating or calling the witnesses.. What do you suggest I do

[@LawFull]

If his insurance wont act, you can either use your own insurance to get your property damage fixed and let them go after the other side. Or, you can file a lawsuit against the other party

[@robguer23]

What if my car was park in mall parking lot and gets hits but have witnesses or know who did it, if I call in for a claim do I need to pay deductible?

[@LawFull]

Hi, if you use your own ins you will. You may get it back one day but generally speaking again if you use your own ins you have to pay your deductible.

[@OC714CM]

Hello. I was just involved in a car accident. I was hit by a young 19 year old on a dirt bike on a residential street in the city. My SUV sustained front end damage. I have full coverage, my deductible is $750. Apparently, the young guy has no insurance, no license, and no registration. He tried to flee but Police got him. Police said he is at fault. Am I out of luck on the deductible? Should I get a lawyer? Thanks!

[@LawFull]

Morning. Sorry to hear this. I think you are likely out of luck. If it were me, I wouldn't think getting a lawyer involved makes sense for this dollar amount. You could file a lawsuit in small claims court against the kid - but that's a lot of hassle and time for $750.... Again, sorry you're dealing with this.

[@OC714CM]

@@LawFull Thanks for the quick response!

[@brandigaut8814]

Why does it take so long for an adjuster to figure out who was at fault with my fiancé’s accident. Been without my car for almost 4 days now and I’m furious cause this was supposed to be taken care of Friday

[@LawFull]

I've had cases that took months. They're investigating or waiting to see the police report or can't reach their insured etc etc. Happens all the time. 4 days is a very short time period actually.... Sorry you're dealing with this....

[@noneosharma459]

Hello, I have a question may be you or someone can answer. I had car theft, and thieves stole catalytic converter from my honda accord 2006. I have comprehensive insurance with $50 deductible, my inusrance company gave me estimate using after market parts and asking me to pay $574. Their argument is car is old and parts are new, so i will have to for that reason. To my understanding, i am liable to only pay $50 (deductible amount), want to check your thoughts if i will have to pay $574?

[@LawFull]

Hi, to be perfectly honest, I do not know. I've never had a situation like this and it is outside the scope of what I do. I'm really sorry I can't be more helpful to you.

[@noneosharma459]

@@LawFull no worries.. thank you replying and ur time.

[@wolftripplex3818]

Hello I waiting on a settlement from an accident where my car had minor damage and I did see the chiropractor for about 3 to 4 months, how much should I expect? Also, how do I keep my lawyer from trying to screw me over on the settlement?

[@LawFull]

Hi, minor accident with chiro treatment only I am skeptical whether it will have much settlement value. Not sure how your attorney can screw you. What do you think might happen?

[@cxa340]

If you only went to a chiro then the other insurance company has the right to deny the bills - chiro is not a dr and not deemed medically necessary in any state court, therefore you can be held responsible for the bills. Go see an actual dr

[@prathapreddie4617]

I have been involved in car accident before two months without insurance at Texas and it was my fault. Now they claimed 17000$ and I don’t have enough money to pay them because I’m international student and there’s no any source of income for me. If they have been forced me can pay on monthly plans. Can I expect right solution from anyone of you. Thank you

[@LawFull]

Hi, Im not sure I understand your question. if you go ahead and agree to pay them back, you can discuss potential repayment plans with them. If you can't afford to pay anything tell them and see what they say. Does this answer your question?

[@westville1916]

What if you don't have collision coverage?

[@LawFull]

Hi, I'd need to know more about the situation to answer this question - sorry about that.

[@glonu2]

I was rear-ended over 2 months ago. No police or witnesses available at scene but I took photos and driver insurance info-Liberty Mutual(LM). My insurance filed claim to LM. I've been dealing with LM for over 2 months to get them to take the liability. They are stalling the claim due to their insured not responding to their letters/calls/emails. I then filed a police report and a complaint to DOI of California last month(1 month after the accident). What other things I can do to get the LM to admit liability? Hire an auto injury lawyer to fight LM? If I have my insurance covered the repair, would I get my $1000 back eventually? Would my auto premium goes up due to this accident? Please advise! TIA!

[@LawFull]

Hi, I've seen it where if the insured does not respond to the ins co the ins co will deny the claim. Did you file with your own ins co as well? If it were me, that's what I personally would probably do and then let your ins co go after LM for reimbursement. You might (or might not) get your $1k back. As far as ins premiums, that I can't comment on. I just don't know what the policy of your own ins co is and how they handle premiums.

[@glonu2]

@@LawFull Thanks so much for your advice. Yes, I first reported to my insurance-Travelers and they said if LM didn't respond, I can reopen my case and they will cover my property damage after I pay my deductible. I've told both insurances that I am getting help from injury lawyers. Would getting a lawyer force LM to admit fault and pay for my repair? I also have some back pain for the last 3+ weeks. But my insurance policy doesn't have medical coverage. Please advise.

[@LawFull]

@@glonu2 Well, I'm a p.i. lawyer by training so, ..... I always recommend talking to a lawyer if you suffered injuries.

[@chrisniche932]

Hey Berry I work for the USPS, and I am a licensed armed security on the side as well,just so happen a tractor trailer came down the wrong way again on the coda sack outside the gated property cause strict policy if you are carrying you have to park outside the gate. So me I tell the driver as he was inching closer to the parking lot entrance did you see the no tractor trailer entrance signs on the beginning of the road,he replied no it's my first time here. So I tell him as I was shaking my head to back up to this parking lot I will hold traffic for you and you can leave back to where you came,he replied OK. No sooner did I reach the business parking lot did I catch him trying to do a U-turn with cars all around the coda sack. He got extremely close to one vehicle I managed to get him clear of that then I stepped back and noticed my vehicle was getting struck. I have 24/7 footage in my vehicle because I travel to work and now I think I have to pay my deductible as well. My question is should I go through my insurance or his??

[@bz3232]

Morning - very very sorry for the delay responding to this comment - been a very busy couple of weeks. Did you get this situation resolved?

[@farhannur9094]

“Hi I had parking accident car’ while my car in the parking i was open my car the door, and then another car grabbed my door the drive side’ so who is responsible & how much deductible cost I am paying.!

[@LawFull]

Hi, I dont understand what happened. To learn the amount of your deductible look at your insurance policy or ask your insurance company.

[@vlvchii]

What if the person that hit me was uninsured? How will I get my deductible back. I have uninsured motorist insurance.

[@LawFull]

Chances are you won't I'm sorry to say - but ask your ins adjuster if there is anything you can do. I hope it's not a big deductible....

[@allthingshiphop1151]

was t boned today at a light, 25 yr old girl in jeep didnt stop at her red light and t boned me. I had green light and was smacked on the driver side. I was trapped inside my car and she never came to help me , witnesses did and when they finally got me out, She started yelling at me saying " i had a green light!", I told her that I did while I was being helped onto the curbed. witnesses told me that they would tell the police the truth and they did. I was sent to hospital and poilce came and gave me her insurance info and told me that they gathered the witness testimony and concluded it was her fault. I had collision insurance because the car was a loaner. what should I do? Car was totaled and now I have a high hospital bill. shoulder and side body bruised up , whats next?

[@LawFull]

My personal recommendation is to get an attorney. What were your injuries? If you'd like a referral to an attorney let me know.

[@golibhusanov8985]

I was involved in a car accident where the driver hit me at high speed from the back of my car when I was stopped at the red light. She had rented the car from hertz rental company( she left the scene before the police arrived), she was driving 2019 dodge. The praiser declared my car as total loos. Hertz insurance adjuster using tactics to not pay for the total loss, saying that car might have been stolen. But it is not Could you please give me recommendations on what I can do next. My car is almost brand new, 2019 camry xle with less than 26000 Milage

[@LawFull]

Hi, when you say this: "Hertz insurance adjuster using tactics to not pay for the total loss." - do you mean they are offering you less than you think the car is worth? They will offer you the "Actual cash value" of your car - not what you owe on the car.

[@golibhusanov8985]

@@LawFull they are saying if the car is stolen they will not pay a penny but if it is not stolen they'd only pay $10 thousand, which is the limit in NY According to what the adjuster told me. But since my car is total loss, they should pay the fair cash value of the car. But it should not matter which state the accident happened right?, the rental company should be responsible for all the total loss + property damages right?

[@beatricetinkepco4294]

My car got hit last July 5th and my i filed it to my insurance and report it to the one who hit my car as well. Unfortunately the driver’s insurance reached me out after 6 business days and until now they still dont get a hold of their insurer. My car was almost done to get fixed and i have a deductible of $1000 and i already spend a lot for rental as well since the other insurance was so slow on processing the claim. Can i ask for a liability letter from their insurance for them to pay for my deductible?

[@LawFull]

Hi Beatrice, I'm not entirely sure what you're asking. I'm sorry. A liability letter for them to pay your deductible?

[@beatricetinkepco4294]

@@LawFull can i ask for a liability letter so that I don't need to pay out of pocket?

[@rafa7363]

Im in same place right now defendant insurance, it has passed a week with unsolve my repair damages… Ive already sent the police report but insurance company said that they need confirmation for his insured 🙄

[@LawFull]

A week is not that long when dealing with an ins co. Have you considered using your own ins? Not sure what 'they need confirmation for his insured' means.

[@rafa7363]

@@LawFull for his defendent is what I meant

[@rafa7363]

@@LawFull I have the police report that said that they are responsable I wonder if that is not enough to proceed to resolve the claim?

[@LawFull]

@@rafa7363 Well generally speaking, a police report that finds the other party at fault is pretty helpful in getting them to accept liability. Not always, but it's a good start.

[@rafa7363]

@@LawFull Noted, I will get in touch with defendant insurance to push on this matter 😬 Thanks a lot for making it clear 👍

[@karlanyskgtransport]

Hello , If they hit and run and nobody got a license plate !? Then I have to pay the deductible before they pay for the repairs?

[@karlanyskgtransport]

I would appreciated if you could help me with that!

[@LawFull]

Generally speaking, if the defendant can't be found and you file a claim with your own insurance company, then yes, you would have to pay your deductible.... It's part of the system....

[@fordexplorer4758]

I got rear ended today here in Texas rio grande valley I have liability insurance but it got expired 10 days ago. And the car I have was house financed and still ow money on it i gave a down payment of 2000 dollars. Do I still have to pay for the remaining money I ow on it ??

[@LawFull]

First, if you got rear ended you're going to file a claim with the insurance for the driver who hit you. Second, if the car is totalled, then the insurance company will come up with the "Actual Cash Value" of the vehicle in their eyes and they will pay that to the finance company. Then, if there is a balance left over, you'll have to work that out with the finance company.

[@fordexplorer4758]

@@LawFull oh thanks but my insurance is liability and expired :( and still ow money on the car I’m out of luck lol

[@alexia6107]

What if their insurance is expired? I'm planning on using my insurance, and my deductible is $1,000.

[@LawFull]

If they dont have insurance there's not much choice...

[@alexia6107]

@@LawFull Shoot. They gave me their information and said they would pay for the damages. All I want from them is the 1k. How could I go about this?

[@LawFull]

Well, just ask them... doubt you'd file a lawsuit for 1k

[@ggitskaos1824]

Ok so my car was hit while I was at work and they left a hole in my car but we don’t know who it was cause there’s no cameras on the beach. And the cops said there was nothing they could do Bc they can’t figure out who did it. Am I screwed pretty much?

[@LawFull]

Hello, well, if you don't have any info about who hit you, your only option is to go through your own coverage unfortunately........

[@ayannatexasrealtor3210]

Why dont some attorneys educate you on what you should do when you don't know. My daughter was in an accident...7/15...guy was clearly in the wrong...received ticket and all...our attorney who wasn't communicative just call today to say they went back and forth only to say the other insurance company only wants to pay 60%...the attorney offered none of what you're saying before and its like pulling teeth now to get them to give advice or suggestions or walk us through...im now about to file a claim with my insurance company and i want a new attorney. The attorney did say we should take them to court which could take up to year. My daughter car is gone she good...seen doctor for a week only. I think i need a new attorney?

[@LawFull]

Perhaps you could speak with your attorney and ask for a little more information moving forward. She/he can probably at least get their paralegal to give you regular updates....

[@sourbb6845]

I got incident from home depot worker ,that's company small truck, - i'm the first ,He keep squeezing in I had no room ,The front of his car touches my back panel Scratched and damage my car. repair Estimate 4200 ,I had wait 1month to get the liability , ,the guy and his witness they work in the same place they say I back up, they insurance said that' my Fault ,my insurance say (this incident is considered a NOT At Fault collision claim because your vehicle was damaged while parked ,collision coverage your has 500 deductible. this is owed to the shop when you pick up your repaired vehicle. What should I do next help plz.

[@LawFull]

Hi, I'm not sure I understand your question. Bottom line, if you want to use your insurance, you're going to pay your deductible. If you don't want to use your insurance, go after the other guys insurance. If they deny you, you will have to file suit.

[@naqviab]

I don’t have rental with my insurance. If I rent a car will at fault party will reimburse me?

[@LawFull]

They should normally - but definitely check with them first

[@americaagee]

So basically I was hit on my passenger car door tonight and I stopped to have a talk with the vehicle who hit me however when I was slowing down he quickly turned on his blinker and moved and made an illegal u turn and left. I called my insurance company but I don't know if I will need to pay a deductible for this hit and run . My door and paint is completely messed up.

[@LawFull]

Really sorry to hear this. Did you file a claim with your insurance yet?

[@americaagee]

Yes I did as soon as it happened

[@LawFull]

And they are saying in a hit and run that you have to pay your deductible? Very possible they are correct. But I would respectfully ask them to point out in your insurance policy where it says that. Though frankly it probably does.

[@jilllittle3065]

Hi there, I appreciate your videos. I have a question for you. I was hit by a person who ran a red light and both cars were totaled 2 weeks ago. The police report states the other drivers is at fault. I have filed a 3 party claim with his insurance company to recover loss of wages, loss of use and for some medical bills. I am awaiting a discussion with their adjuster still. My insurance company is requesting me to sign a release of vehicle form by a certain date. Is there risk in doing so prior to getting things settled with the other persons insurance . In other words is there a benefit to keeping it open. Thank you

[@LawFull]

Hi Jill. So you're using your own insurance to get your prop damage fixed? And what kind of release form is this? So that they can get it out of storage?

[@jilllittle3065]

@@LawFull my insurance company SF has offered an amount (actual cash value ) for my vehicle … which to my understanding their subrigation department will go after Farmers to get their money. After I provided comps they adjusted the amount up by $1500 which I believe to be fair. And they have already paid my remaining loan balance. They want me to sign a Reg 262, which encompasses odometer disclosure, bill of sale, and POA. My question is, In signing this am I then closing out my claim with SF? Thus giving up my rights to perhaps use my own insurance if the other insurance company fails to pay in some way? Or is it just a DMV form?. It does state the $ amount. I am not against signing it as i feel it will be needed to get my money for my car. But is there good reason to wait? Thank you.

[@LawFull]

@@jilllittle3065 Morning Jill. To be honest, I don't know anything about 'Reg 262' so I don't want to comment and give you bad info. I'm sorry I can't be more help on this question.

[@jilllittle3065]

@@LawFull thank you. I appreciate you. It is a DMV form that is required for transfer of title in Ca,

[@jilllittle3065]

I received a letter now from my own insurance company saying I am now 51% at fault due to failing to maintain proper lookout. That seems crazy to me as I completely had a green light (with witnesses) and he crossed in front of me violating a red light to go onto a freeway on ramp. I had no reaction time. Is this something that can be argued directly with my insurance company or at this point do you recommend an accident lawyer. If so any suggestions.

[@aldozuniga8708]

I’m still confused, I got hit , I still owe for my my vehicle, would there insurance pay my vehicle or pay it off ? Still waiting on my report?

[@LawFull]

Hey, depends. Is the vehicle totaled? If so, either insurance company is going to pay for the actual cash value (ACV) of your vehicle. They will not "pay it off." They'll just pay what it's worth. If the car is just damaged and not totaled, then this is not an issue. Does that clear it up?

[@willjc32]

Same thing but my car was parked and she have GEICO and they gone see if it could be fixed or is it a total loss! But I still owe credit acceptance 25k smh I hope they pay it off so I can keep the car or get a new one

[@scottbmwm3]

My 2 teenage kids were involved in an accident. The other vehicle was at fault and insured by Progressive. I pay their Health insurance and their mom pays for the auto insurance. Recently I received a letter from my health insurance company demanding to be repaid $5,000 for the bills that they paid related to this accident. I forwarded this information to my ex wife. She now says that since she has to pay back this money, their copay were not covered so I have to reimburse her my 66% of the co pays that she paid out. I asked her for the claim # and contact for Progressive so that I can dispute myself, but she refuses to do so.

[@LawFull]

Hi, the part between you and your ex I am not sure what to say about it. I can tell you that the health insurance subrogation or lien has to be paid. But you can negotiate that down many times. At least we always tried to. Depends but you can often get 1/3 reduced. You didn't hire an attorney? S/he would have taken care of that for you...

[@Carlossteezyblunts]

Hey there how’s it going, My car recently got hit by a car and made a claim with own insurance. This was my first collision so I wasn’t sure what to do. I got the persons ID, license plate and phone number but i didn’t call the police because I wasn’t sure what to do. I’m now realizing it’s really recommended to make a police report. If the person claims the accident wasn’t his fault can I still prove it was without a police report? I’m not sure if I should pay the deductible now or wait. I rather pay it now but Idk how it will play out. I don’t want to pay if I won’t get it reimbursed. (minor damage no injuries)

[@LawFull]

Hi, you can still show they're at fault by the evidence - if for example you were rear ended... If it were me, I'd pay the deductible. You may or may not get reimbursed but you'll get your car fixed a lot quicker. But that's just my personal opinion....

[@Carlossteezyblunts]

@@LawFull I was hit on the side of the car driver side, on the door closer to the tire.wheel well was bent a bit and door arm area dented and his car got damage on his front bumper since he ran into me. He was making a right turn but wasn’t paying attention and didn’t complete the turn and hit me. Do u think that alone sums it up? In your opinion. I have photos of the area and the damage. We had to move our cars cause it was a parking lot holding up traffic so the cars aren’t In the picture.

[@LawFull]

@@Carlossteezyblunts It's really hard for me to know from that John. Though I can tell you just the fact that he was turning (and assuming you're going straight) lends to your argument that you were not at fault.

[@Carlossteezyblunts]

@@LawFull no worries I appreciate it, I’m hoping there is no issues on his end and he accepts fault. When we were talking he never blamed me or denied fault but reading other people experiences on how people seem one way before u and another way later scared me. Thanks again 💯

[@LawFull]

@@Carlossteezyblunts Best of luck to you sir.

[@ingridinthis3d5dnow25]

should i inform the police of a no fault of my own accident? before I run it to my insurance?

[@LawFull]

Hi, just to be clear, you were in an accident, you did not cause it, and you did not yet report it to the police? I would check your local state laws to see what is required. There may be a law that says something like if you have $1500 in damage you have to report it etc etc. So it's hard for me to know what to advise you here. But I can say that very generally speaking, I always advise people to report accidents to the police after they happen.

[@ingridinthis3d5dnow25]

@@LawFull actually I did call my insurance company. They asked me if there was a police present and I told them no. They never suggested for me to do so

[@LawFull]

@@ingridinthis3d5dnow25 Hi. Well, sounds like you're doing everything right. If your ins co is not asking for a police report I guess you're ok. The reason I recommend people call the police is because stories change all the time. Someone who was so friendly at the scene of the accident can change their story when they call their ins co. So I always say to get the police to document what happened......

[@rafaeltarantini]

Do you have colleagues in the Carolinas? I just had an accident in North Carolina with my South Carolina registered car. Thanks

[@LawFull]

Hello, yes I have a couple people I have worked with in the past in North Carolina. Where are you in North Carolina and importantly in terms of working with an attorney did you suffer injuries? That will be the 1st question the attorney asks you. Thank you, Barry

[@rafaeltarantini]

@@LawFull Hi - sorry I missed your message. Injuries were mild, sprain, neck pain, bruises. My wife is pregnant and our toddler (not hurt) was in the car. What is the next step?

[@LawFull]

@@rafaeltarantini Hello, no problem Rafael. Well, I can put you in touch with the N.C. attorney I have worked with in the past if you'd like. No problem at all. Can you just provide me your contact info to [e-mail] - I need it to pass it on to my guy. Or you can call me a 1-877-529-4312 and I can get it that way. Thanks, Barry

[@RicardoAlfredo100]

Hi!! Thanks for your wonderful explanation!! I just got hit by a neighbor that run away after she wrecked my auto! I cane to found out that Carrie a Geico insurance like me! The question is : since we have the same insurance and she’s at fault! Do I have to pay my 1000$ deductible? Or do I have to get a lawyer in order to not paid for my damages? Or Geico will paid for it?

[@LawFull]

Morning - in that situation - where both parties have the same insurance, I have seen insurance companies waive the deductible. Have you asked them to do that yet?

[@RicardoAlfredo100]

@@LawFull thank you for replying! Nooo

[@LawFull]

@@RicardoAlfredo100 Well definitely ask them to do that. And if not, ask them how long until you'll get reimbursed.

[@RicardoAlfredo100]

@@LawFull thank you!! God bless you!!

[@RicardoAlfredo100]

@@LawFull yes I did asking and they re gonna do it!! My friend you have been a great help! Thanks again I will keep you updated!

[@shawnsmith8975]

What if it was a hit and run?

[@LawFull]

Hey Shawn, check your insurance policy - it may vary. But generally, if you use your own insurnace you're going to pay your deductible.

[@ThaoTran-yw7zw]

Thank you for your information! Really helpful. I was involved in the situation where I stopped at the red light, the driver behind me speeding up and hitting my car. It was a minor accident but I do not want to buy 1000 deductible. What should I do to get my car fixed ASAP? Thank you so much! I am looking forward to hearing from you

[@LawFull]

Hi, did you get the insurance info from the other driver? If so, call the insurance company and file a claim with them. That should do the trick. They'll inspect the car (or have you get an estimate) and you can get your car fixed.

[@ThaoTran-yw7zw]

I also want to ask for opinion whether I use my insurance or person’s insurance for this situation. Thank you so much

[@LawFull]

@@ThaoTran-yw7zw Hi, if it were me (and I could afford the deductible) I would use my own insurance. It will get fixed quicker. And you may get your deductible back if your insurance seeks reimbursement. Personal opinion.

[@gautam14d]

My car was hit from behind when I was paying a toll. I got the police report which shows the other person was clearly at fault. Damages to my car are more than $5000 but the other party’s insurance told me that he has only $5000 property damage liability and cannot pay me more than this. Should I go with my own insurance now? I have a $5000 deductible. My insurance told me that they will subrogate but I am Afraid that if I go with my own insurance then, they would also be able to recover just $5000 which would then further divided between me and my insurance. Please help as I did not have any fault, why I am supposed to pay this much.

[@LawFull]

Hi, sorry to hear this. Im not sure you have any choice unless you want to pay the balance out of pocket.

[@LawFull]

@THE VIRUS UNDER DEPRESSION Hello, ok. You can file with the insurance for the guy who hit you and they should cover it. Or you can file with your insurance, get them to pay for it, then generallly speaking they will seek to subrogate for your damages and can often get back your deductible.

[@LawFull]

@THE VIRUS UNDER DEPRESSION Well i guess i just don't understand the facts well enough to say any more. First they said they won't pay, then they offered you $4k and you refused? And then they said you have to pay for it? I'm confused.

[@LawFull]

@THE VIRUS UNDER DEPRESSION Weird sir. Not sure what to tell you. Doesn't sound correct to me. Sorry I can't be more help.

[@satwindersingh9457]

My car was parked in a parking lot and someone hit thr front bumper and ran away. So I have no proof who they were. I reported it in collision center next day but have not reported to insurance company till now. Its more than a month since the incident now. What should I do now ?? Should I get it repaired on my own or should report to insurance and pay the dedutible or not ??

[@LawFull]

Its a matter of choice, sounds like you are paying either way. Though the month delay might complicate things

[@satwindersingh9457]

LawFull so you mean I should repair it on my own in any autobody shop. And not with the insurance now ??

[@LawFull]

@@satwindersingh9457 I would get a quote for the damage. If the cost to repair is reasonable, I'd pay it. If not and its thousands of dollars and your deductible is modest, like $500 then it's best to use your insurance.

[@satwindersingh9457]

@@LawFull my deductible is $1000 and the repair cost is also about the same. So I should repair it without insurance right ???

[@LawFull]

@@satwindersingh9457 I would

[@cesararciniega4033]

What if a homeless man damaged my windshield roof and hood while i had my car parked at work what I still have to pay for the deductible even though I got it on camera?

[@LawFull]

Hey Cesar, generally speaking, if you use your own insurance, you pay your deductible..... Sorry to say.