Who is Legally Responsible for Your Car Insurance Deductible if You're Not at Fault?

Answered by

Thomas Carter
Thomas CarterInsurance & Finance Analyst

Posted on Jan 26, 2023

The driver who is determined to be at fault in a car accident is typically the one who is legally responsible for any damages that occur, including car insurance deductibles. If you are not at fault in an accident, your insurance company should cover the costs of your deductible. However, if the accident is determined to be your fault, you will be responsible for any damages, including your deductible.

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