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Rob H | Can i be charged someone elses deductible? |
Additional Details
I ran through a stone mail-box on accident, and the accident was considered 100% my fault. I'm not using my insurance company because I don't want my families rates to raise. Basically I'm being charged the personal costs of the clients and then the deductible on top of it. I live in TN.
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mbrcatz
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Sure you can, but it doesn't stop there - if they put a claim in under their homeowners for the damage, not only do you owe THEM the deductible amount, but you owe their INSURANCE company the amount they paid out in the claim.
It usually takes 4-6 months, but they WILL get around to sending you a bill - or taking you to court to reimburse them.
So you'll either pay the whole thing out of pocket, or your insurance company will pay it and raise your rates. |
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PJ
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Since it is your fault you owe 100% of the costs to repair the mailbox. No one should have to pay anything but you and if they do, they will come after you for reimbursement. |
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Daybreak
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You need to give more information. If you have had an auto accident and you caused it, someone may sue you to get the deductible back, but they won't initially charge you the deductible. |
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jd0601
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Yes, if you are at fault for an accident, then you will need to make the other driver whole. My wife had an accident recently that was the other driver's fault. She received the repair cost less the deductible from her insurance company. Her insurance company was reimbursed for the entire amount from the other insurance company, and she was sent a check for the deductible. |
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VTXrider
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This kind of depends on the state, for instance Florida is a "No Fault" state. No Fault laws make it difficult to recover any deductible, in fact your insurance company will generally have to pay your repairs no matter who is at fault and the other company pays the other persons repairs. In most states it is possible to get back the deductible especially if the other person is assinged 100% of the blame. In some state blame is assigned proportionally as opposed to directly on one person, for instance if someone runs a light but the other person was speeding the may both get some blame and the judge may say the person that ran the light was 75% responsible and the speeder was 25% responsible. Each person would pay thier % of the accidents cost. So basically assuming you are in the US you need to check with your state because it is different depending on where the accident occurs. Outside of the US I have no idea. |
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van_at_lincoln
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no |
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