Car insurance not at fault deductible

If you have collision coverage, you can also choose to go through your own insurer, who will seek reimbursement (including your deductible) from the other driver's insurance company. In situations where fault is shared, you may end up paying all or part of your auto insurance deductible.

No, you don't need to pay a deductible when you’re a not-at-fault driver in a car accident. When another driver hits you and it’s deemed their fault, their insurance is required to pay your damages. With collision coverage, you can choose to go through your own insurer. Your insurer later seeks reimbursement from the other driver’s insurance.

That means you pay nothing out of pocket for an accident claim in which your insurer pays for the damages and/or injuries you caused to another person, up to your policy's limits. You elected for no deductible In some states, you'll have the option to select a $0 deductible on your policy's comprehensive coverage.