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If someone hits your parked car does their insurance company pay and do you still pay your deductible?
Wiki User
∙ 8y ago
If you decide to go through your carrier -- and assuming your policy doesn't have a provision for waiving your deductible under these circumstances -- then, yes, you'll have to pay your deductible.
Your carrier will then pursue the at-fault party for all monies paid, including your deductible.
Keep in mind that applying your deductible has nothing to do with liability. It doesn't matter if your car was parked and unoccupied, or if you were rear-ended. Rather, the deductible is the portion you agreed to pay in the event of ANY loss, regardless of liability.
If the at-fault carrier agrees to pay for the damages (which they should, given the facts-of-loss), then you're correct: You wouldn't pay your deductible.
Your deductible applies only if you're going through your own carrier, and even then, the at-fault party still owes for ALL the damages. By avoiding your own carrier, you shouldn't have to pay out-of-pocket for any of the damages.
Also, if you do decide to go through your own carrier, they might waive your deductible if they confirm that the at-fault driver has active insurance, and if they confirm that the other carrier is willing to pay.
A personal experience:
When I called my insurance company about this, they told me that if the at-fault person's insurance company (I'm assuming they're At Fault since they hit a parked car) assumes liability (again, since they're most likely liable) they'll cover the damages and I won't have the pay the deductible. Did I hear this wrong? Also, I live in Pennsylvania, and from what I hear our insurance laws are a little goofy.
Wiki User
∙ 8y ago
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If you hit a parked car and the damage is over your deductible how does that work?
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
If someone hits your parked car do you have to pay your deductible?
no
If you are at fault in an auto accident do you have to pay the other persons deductible and my vehicle had already been damaged?
No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!
If your parked car was hit and the at fault driver was found what options are available if both parties are insured and you have a 500 deductible?
All the damages will have to be paid by the other party's insurance company. Your deductible isn't applicable.
What do you do if someone hit your car while it was parked and they left their info?
Call them and their insurance company.
If someone hits your parked car and you call your insurance will your rates go up or will their insurance take care of everything?
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
My parked car has full coverage and was hit by an uninsured driver?
tell your insurance company and the police and your insurance company will pay everything except the deductible. If you have full coverage than your insurance is required to make good on the damage. It is up to your insurance company to try and get their money back from the uninsured driver of the other vehicle.
Will your premiums increase with no-fault insurance if someone hits you when your car is parked?
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
If your parked car was hit and both parties have the same insurance company is there anyway to recover your deductible?
If your vehicle was parked you should not need to pay ANY deductible. If you were not found resonsible for the collision your expenses should be entirely paid by the at-fault driver. If necessary, you may need to take the other driver to small claims court.
If your car was hit while parked do you have to pay the deductible for the repair?
This would be dependent on the insurance you have. If you know who hit your car and have all of the pertinent information, you probably should not have to pay the deductible. If you don't know who hit your car, and your state and/or you do not have waiver of deductible insurance, then you would have to pay the deductible.
If your car is parked in a driveway and you have no insurance and someone hits it?
If someone hits a parked car then they are automatically liable.
If your parked car is hit in a school parking lot by an uninsured motorist what action can you expect from your own insurance company?
It depends on what sort of coverage you have on the vehicle. If you are fully insured, then the insurance will pay the damages minus your deductible. If not, you are on your own and will have to try to get the other party to pay for the damages. If your insurance pays, you can still sue the other party for the amount of your deductible.
