Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 24, 2012

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Insurance Question from Montgomery, TX

Asked on 11/24/2012

i am fully covered and i hit someone else s car backing out of my driveway ..do i have to pay a deductible to fix their car?? NULL

Answer given on November 27, 2012

If you cause an accident while backing out of your driveway, your insurance company will pay for the damages to the other car. There is no deductible for damage to the other vehicle. If your car was damages, and you have collision coverage, you can get reimbursed, but your deductible will apply for that damage.You should also see what the amount of damage is to the other car. Sometimes, if the damage is small, you can pay for the damage yourself and not get your insurance company involved. If you file a claim, and the damages are over a certain amount, usually around $750, your insurance rates will go up.If you can’t afford to pay for the repairs, or they are higher than you thought, file the claim with your insurance company and let them settle the claim with the other party.


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