Deductible for other driver's damage?

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PostPosted: Fri Oct 26, 2007 7:11 pm   Post subject: Deductible for other driver's damage?  

If you rear end another vehicle with no damage to your vehicle, do you have to pay a deductible for the repair costs to their vehicle even if you are insured?


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MudTruck
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PostPosted: Sat Oct 27, 2007 4:02 am   Post subject:   

No, coverage falls under your Property Damage coverage and there wo'nt be a deductible (commercial polices sometimes have a PD deductible but personal lines polices do not).

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PostPosted: Sat Oct 27, 2007 7:12 am   Post subject: Deductible doesn't apply to PD liability coverage  

No, deductible mustn't apply to this case. Deductibles are normally associated with collision and comprehensive coverage and with some other form of auto coverage. But causing damages to other's property or vehicle will be covered by the liability component of the policy. And typically, liability coverage doesn't have deductibles.

InsAmi


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PostPosted: Sat Oct 27, 2007 7:41 am   Post subject:   

True, we normally associate deductibles with collision and comprehensive coverage but some policies may carry deductibles on the liability coverage also. But it depends very much on the carrier. Just go through your policy document. It must have mentioned the clauses related to deductibles if you have any on your policy.


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Derek Fitzpatrick
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PostPosted: Sat Oct 27, 2007 10:05 am   Post subject:   

Personal lines, NO deductible on property damage coverage, if you do not have a commercial policy you wouldn't have a deductible (that I've ever heard of)

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PostPosted: Sat Oct 27, 2007 9:08 pm   Post subject: Rear End Accident  

Hey MudTruck,

All the answers above are correct, but I think we are all saying it in different ways.

In my state if you hit someone from the rear it is automatically an at-fault accident.

If there were damage to your car it would be covered under "Collision", which usually has a deductible.

The damage to the other car would be covered under "Liability", normally no deductible.

I'm sure you have already reported the accident to your insurance company, but just in case you haven't, you probably should do so.



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PostPosted: Sun Oct 28, 2007 9:48 am   Post subject:   

Poster said NO damage to his car.....

Quote:
If you rear end another vehicle with no damage to your vehicle,
....only to other vehicle.
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