Auto Insurance?

Question

My vehicle, while parked, was hit by a neighbor's car. The insurance company found them to 100% at fault.

They have a $500 deductible - will they have to pay $500 towards my vehicle's repairs, or is it completely paid by liability insurance?

Just curious, because I think these people are going to flip out when they see the body shop bill!

Answer 1

On a personal auto policy, the deductible only applies to the damage to your own car, not someone else's.

They'll have to pay the deductible to fix any damage to THEIR car, but not to fix any damage to YOUR car.

Answer 2

NO--they will not be paying a deductible--
Since there vehicle hit yours and they have
already admitted fault-the claim will be payed
from the property damage portion of their
auto policy, no deductible will be collected
the company will pay 100% of the damage.

Answer 3

considering drivers' licenses are state-issued, that's a state rely, despite the fact that if the federal government can effect the states by way of threatening to withhold Federal street money (the way they did to get each state to boost the eating age to 21). in short, there's a philosophical distinction right here. using is a priviledge granted by way of the State and whilst using, one has a accountability no longer basically to himself, yet to others on the line. Making vehicle coverage mandatory might nicely be considered as a value of enjoying this priviledge, component of a electorate responsibilities for th universal protection of others. well being care is a private concern. Requiring a individual to purchase a product for his own own use seems to many like requiring all electorate to purchase vehicle coverage....despite the fact that if or no longer they rigidity or no longer. Somewill argue that the requirement will carry down the charges linked with the uninsured getting care in emergency rooms etc, however a similar ought to be pronounced for mandatory vehicle coverage. think of how costs could pass down if all non-drivers have been compelled to purchase rules to boot. So lower back, there's a philosophical concern previous the "will it carry down costs" question.

Answer 4

The deductable only applies to damage to THEIR car. Their property damage coverage will pay for 100% of the bill. I would send the bill directly to the insurance carrier to avoid the confrontation with the neighbor. Good Luck

Answer 5

To you, the entire amount will be paid by the insurance company of your neighbour..But your neighbour will pay $500 to his insurance as deductible..

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Answer 6

they will pay no dectubile,,, because they hit you , and admitted fault ,,, if your car is paid for the ins. company can make the check payable to you.. did you get the estimate your self. or through there ins. company...

Answer 7

they have to pay the deductible

Answer 8

they pay b/c that is what a deductible is.