Whose responsibility is it to pay the deductible when someone hits your car and you are not at fault?

Question 1
Whose responsibility is it to pay the deductible when someone hits your car and you are not at fault?...  I had been rear ended by someone recently. Do I pay the deductible or the other person inorder to have my car fixed? Can someone explain...thank you.

Answers
1)   I don't think you should pay anything. If you have to pay, I am sure you can sue the person. - S K

2)   If the other person is at fault, they pay all costs to have your car fixed. Their insurance company handles all liability. Make sure you have their insurance information so you can contact the insurance company directly about reimbursement. When they do a damage estimate, argue with them if they say it will cost less than your estimate shows. - friendlyadvice

3)   You dont pay anything Their insurance is suposed to cover it.

If you have to pay a deductable that means they blamed you

and your insurance company is paying. - amdbryan

4)   Your collision coverage covers you for damage on your car when you are at fault. The at fault driver's liability coverage covers damage done to other vehicles/property/persons when they are at fault. You should not have to pay anything if you were not blameworthy. - Crowfeather

5)   If you file under your insurance policy, you pay your own deductible.



Your insurance company will then subrogate the other guys insurance. That means, they will go back against them for repayment. They will ask for the money they paid and for your deductible. Once your company is able to get paid, they will forward your deductible to you.



Or you could file a claim against the at fault drivers liability coverage. That will not have a deductible. - MSAD

6)   You do. It's YOUR insurance, and YOUR deductible. You can always sue the there person for the money. - the kid

7)   You dont pay anything...Im not sure what country you live in but in Australia if someone hits you, they are at fault. All you have to do is ring your insurance company, they will fix your car and chase their insurance company for the money. If they dont have insurance you can try to organise a payment plan with them, or you can simply take them to court. If you dont have insurance, you should ring their insurance company, however they cant fix your ar untill they pay the excess or as you call it, deductible, and if they dont pay the excess you have the right to take them to court and their insurance policy most probably wont defend them becasue it was part of their policy to pay the excess and they didnt. However, if you were hit in the rear and it was caused by you, you can still do all these things but if the other driver disputes that it was not his fault, he can take you to court and try and prove you wrong. Hope it helps x - Euro Babe

8)   If the other party is insured, their liability insurance will cover the damage to your car. Deductibles don't apply to liability claims. Only if you use your insurance to fix your car will you be subject to a deductible. - Scott H


____________ powerd by Yahoo!Answers______________

Question 2
When is the car consider a loss by car insurance?...  I got rear ended about 10 days ago. Progressive is there insurance, they total her car. The first estimate they did on my car was like $2,000 I have a 2004 Bmw 530i..I took it to a reputable bmw repair shop and they did the tear down and now the adjuster is telling me its gonna be around 12,000 to repair, I owe 18,000 and blue book value is probably even less.



I don't want to be driving around a car with that much extensive repair that's ridiculous. My car will never be the same! What should I do? Any ideas? I have a attorney but he says he dosn't deal with the property damage part..which I think is stupid too since I'm not supposed to talk to this claim adjusters..but how do I get this handle?
I want my car to be total..I dont want to be driving a car that is worth $15,000 before the accident with $12,000 in repairs..it dosnt make sense! Would you feel safe to drive a car with $12,000 in car repairs?

Answers
1)   Each insurance company has their own guide lines they use to declare fix or total. You can influence that decision if you don't like the shop that did the quote, but that's it - influence. - rick29148

2)   When it comes time for renewal automobile insurance is one of the simplest ways to save your money. You can get a easy estimate online they often give you competing prices.

I know people who have used and recommend http://www.InsureAutoNow.info - Courtney B

3)   It's written off when the repair estimate exceeds it's current value. Remember insurance companies use their own partners to get estimates. - Alex

4)   Yes, I am going through the same thing right now. This is what you need to do: go on the internet and do your own research in terms of similar cases and the types of repairs you need and the costs. Document everything and submit a demand that details everything. You will probably not get $12,000, but you will get a lot more money. Insurance companies consider it a total loss when it will cost more to fix your vehicle than what it is worth. The problem in your case is that there is a complete difference in opinion -- one is $2,000 and one is $12,000. You need to prove that your vehicle is going to cost a lot more in order to repair. Remember that insurance companies always give you the low ball estimate, so you have to back your demand up with evidence. Also, is the other party 100% at fault? Because if you are even a tiny bit at fault they will try to give you less money. Good luck. - collegeworldseriesfan

5)   An insurance company will consider a car a total loss when the amount of the damages exceeds (or will probably exceed) the value of the car minus what the salvage (the wrecked hulk) is worth after the accident. This usually works out to about 80% of the pre-accident value of the car though depending on circumstances it may be a little more or less.



Tell the insurance company where you want the car fixed. They cannot tell you where to take it though in some states the fair claims practices act requires an insurer to provide you with the name of a shop that will do the repairs for what they wrote.



Remember in most states the other person's insurance company is not obligated to deal with you in good faith. If you don't like what Progressive is doing just call your own company and file your claim with them. If you have collision on the car your own company is obligated to pay your claim no matter who's fault the accident is. You'll have a deductible to pay if the car is fixed but presumably your company will get it beck for you from Progressive when they settle everything.



If the car is totaled the insurance company is only obligated to pay you the (pre-accident) market value of the car. It doesn't matter what the loan amount is. That's between you and the bank.



If the car is totaled and you owe more than the car is worth the bank may waive the difference, they may roll the balance due into your next car loan, or they may send you a bill.



Check on your own insurance and your finance papers if you have "GAP" coverage. This coverage will cover the difference between what the car is worth and what you owe. A lot of people actually do have gap coverage and don't know they do until something like this happens. this is because a lot of dealers slip it into your finance agreement to inflate the cost.



Some insurers in some states will also pay you for "loss of use" (rental car) even if you don't rent a car. They are obligated to do this in some states but not others. Some companies pay it even if they don't have to. - Rogue Claims Adjuster


____________ powerd by Yahoo!Answers______________

Question 3
taking drivers permit test?...  im in arizona.

what will be on the test and are they all multiple choice?

how many questions?

Answers
1)   Well not sure about Arizona but doubt theres that much of a difference in permit tests.



When I took it, less then a year ago it was pretty easy, just make sure you know your stuff.



It is multiple choice, and it's based on simple stuff like what signs mean what, what to do in certain situations, etc.



Dw im sure you'll do fine - Cody S

2)   Use this ink.Good luck

http://dmv-driving-tests.com/mcquiz/user_tst_shw-99.html - Djalbinz

3)   the test is fairly easy just study a couple of days nd u will pass for sure

its 40 questions,,,

u can only fail 7 - LOCO650

4)   Just go online http://www.testquestionsandanswers.com/learners-permit/arizona.html

It's easy - you won't have any problem if you study a little. - collegeworldseriesfan


____________ powerd by Yahoo!Answers______________

Question 4
how much is car insurance for a 16 year old now?...  hi im sixteen i dont know where to look for the amount every site i go too wants too much information if you can find one for me my zip is 17325 or give me an estimate. thanks!

Answers
1)   There are many factors, mainly on the type of insurance you need. Do you need full coverage (and how much)? Or can you get away with just liability (if you own the car outright).



Go to websites like Progressive and Geico and they can give you online quotes that will be much more accurate than someone here guessing. - Adam

2)   it depends on the type of car you have, if you are male or female, if you took drivers training, and there are many other factors. - lovelife

3)   1. Don't click the spam links.



2. Don't look for an answer on the internet.



3. Go (in person) to the same exact insurance agent your parent(s) go to. That agent will give you the best possible price. - MY ICON IS UPSIDE DOWN

4)   Since you aren't 18 you cant get your own insurance. You would be on your parents policy.



They need the info to get your parents an accurate rate. There are a lot of factors like number of drivers, number of cars, make/model cars, miles driven, drivers history, area you live, multiple policy discounts. Not every company is going to give you the same rate. No company is best everywhere.



Since you are 16 and a new driver you can just assume very high. - emiller1998


____________ powerd by Yahoo!Answers______________

Question 5
I got a ticket in my friends car..will it affect her insurance?...  okay so yesterday i got a ticket in my friends car..and the cop said i might have to go traffic school or i might just get lucky and just have to mail something back when my ticket comes into the mail hopefully that's wat happens but anyway im just wondering does my getting a ticket in her car mean her insurance goes up? or anything happen to her sinces its her car??

i havent even told her i got the ticket yet lol i was hoping that i could just hide it but my friend said her insurance will go up because of me :(

Answers
1)   Unless you are a named driver on your friend's insurance policy, it won't affect her premiums. Traffic tickets follow the driver, not the car. The insurance company will probably never even know that she let you use her car. - lj1

2)   Tickets are issued to people, not to cars. - the kid

3)   Getting new auto insurance is a quite simple way to save on car expenses. You can get a easy quote at websites they usually give you lots of quotes.

I tell my friends about http://www.InsureAutoNow.info - Patsy C

4)   You were driving, you got ticketed, your insurance will be affected. - Scott H


____________ powerd by Yahoo!Answers______________