Deductible Question for College Student

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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: May 1, 2017

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Insurance Question from Bethany, IN

Asked on 05/01/2017

Deductible Question for College Student So today I hydroplaned into the back of someone and it's no doubt my fault. Girl in front slammed on her brakes and I had no where to go. My deducible is 500 and I drive a 2001 chevy Silverado and the only thing that needs replaced is the hood as It hit her tire on the back of her car, so my front end is basically okay. However, her whole back windshield, bumper, tire case and trunk hatch of her rav4 will need replaced (about $3000). My question is 1. Will i be able to get a new hood (about $200 with labor) through my insurance as well as paying for her damages for the deductible of only $500? Im just a little confused as to what my deductible covers. I have comprehensive coverage.

Answer given on May 03, 2017

In auto insurance, the deductible under your insurance policy applies to any damages to your car.  There is no deductible for damage caused to another driver. In your case, if your deductible is below $200 then your insurance company will pay for the difference to repair your hood. However, you say you only have comprehensive coverage on your vehicle. You must have collision coverage for the insurance company to consider repairs, so you have no coverage for damage to your car. The damage to the other driver’s car will be paid in full, or if the car is considered a total loss, they will pay the actual cash value of her car.  They will also pay for any injuries to her if there were any. This is presuming you have liability limits sufficient to pay for the repairs and if you have enough bodily injury coverage for any injuries.


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