did. Now my new car was involved in a hit and run(not my fault) accident while parked in front of my house. I paid the deductible for my stolen car. Do I need to pay it again to get my car fixed? BTW, I live in KS.
2007-10-14 13:24:50 · 7 answers · asked by lasher7228 2 in Cars & Transportation ➔ Insurance & Registration
Thanks! yeah ins co's are great! Actually, mine is good. It's just i wasn't sure. I was just hoping that I would not have to pay.*sigh* Thanks again!
2007-10-14 13:32:52 · update #1
yes because that's on two different cars,this car isn't tied in with the other one,to get them to fix this one you will probably have to pay the deductible again,the deductible is for each accident,good luck.
2007-10-14 13:28:49 · answer #1 · answered by dodge man 7 · 2⤊ 1⤋
i had a claim where the insured rented a car while his car was in the shop for repairs on another accident; he managed to have 4 different accidents while in the rental;
he sideswipe 1 guy;
he backed into a fence
he struck a pole
and the last i dont remember;
anyway he had damages to all 4 sides of the car; lol;
the rental car damages were 3500; we paid 1500 since he had a deductible of 500; (500 x 4);
on the hit and run; even if you have uninsured property damage, your company may not pay; some states only allow if you can ID the at fault party for striking your car; since your car was parked it is unlikely you dont know who hit you;
good news is that you have insurance and will get you car fixed;
good luck
2007-10-15 09:37:02 · answer #2 · answered by lucy 7 · 1⤊ 0⤋
You have to pay the deductible on each and every occurrence. For example, if I were to back into a pole today and damage the rear of my car, and before I had it repaired, was to run off the road and hit a signpost damaging the front, I would have to pay the deductible amount for each accident, even if I had them repaired at the same time!
The hit and run should be covered under your uninsured motorist coverage, which may have a smaller deductible than your collision coverage! Check your policy to find out!
Sorry
2007-10-14 20:38:29 · answer #3 · answered by fire4511 7 · 2⤊ 0⤋
Yes, that's the way it works, each separate incident has a deductible with it, it's not just a once a year thing like health insurance. In fact, if you go off the road and hit a tree with the front of your car, then back up to get back on the road and hit a second tree damaging the rear, it's two incidents with two deductibles.
Since it was a hit and run, you have no idea if the people that hit you had insurance coverage or not, so you can't use your uninsured coverage, so ignore that piece of advice.
This will be on collision coverage.
2007-10-14 21:01:38 · answer #4 · answered by oklatom 7 · 0⤊ 3⤋
Yep. Every loss is subject to a deductible (not like health insurance).
2007-10-14 22:01:59 · answer #5 · answered by Anonymous · 1⤊ 0⤋
Yes. This is a separate occurrence.
2007-10-14 20:29:33 · answer #6 · answered by Otto 7 · 3⤊ 0⤋
You sure do. Every time something happens your going to have to pay it.Aren't insurance companies great!
2007-10-14 20:28:53 · answer #7 · answered by Anonymous · 2⤊ 2⤋