Who is responsible for paying the deductible for an accident; the injured party or the insured?
Question Details:
My dog was injured during an outing with my dog walker. Her insurancecompany paid the vet billl. Now her insurance company is billing her for the deductible, and she is asking me to pay her the amount. Who is responsible for paying the deductible (the injured party or the insurance policy purchaser?
Insurance Law Law Answers
It's not a matter of who purchased the policy--it's a matter of who was responsible for the injury. Your dog was in her control when it was injured. It was injured in the course of her employment or business. Under these circumstances, she should be the one to pay. Of course, if you otherwise intend to keep using her, you may wish to settle and pay some of the deductible.
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