Deductible

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Dec 5, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Newark, NJ

Asked on 12/05/2012

Deductible I live in NJ. my car was was hit from behind. Claim was filed, and I was given a rental, and car went to the shop. The rental was broken into yesterday. They broke the lock of the door. Enterprise is charging me 500 deducitbile. Should I be responsible for paying that? It was not my fault. Also the body shop is saying I need to pay them 500 deductible. I was hit from behind, shouldn't the other person's ins pay? I am getting charged 1000 for two things that were not my fault :(

Answer given on December 11, 2012

If you were rearended, then the other insurance company should be handling the claim for the damages to your car. Presumedly, you have been working with the other insurance company and not your own. If you have gone through your own insurance company, then the deductible will be paid by you until your insurance company subrogates against the other insurance company. If they get the full amount back from the other company, you will be reimbursed for your deductible.If you have gone through the other company, call the adjuster and have him call the repair shop about the $500. This should be an easy fix and simply a paperwork issue.If you had the rental car in your possession when the car was broken into, you may be responsible for the damage to the car. Again, if the other insurance company is paying for the rental car, talk to the adjuster about the damage to the car. This would be considered a comprehensive loss, not collision, so the deductible, if you are responsible, may be lower. You also need to review the rental agreement for the car to see if you signed an acceptance of the deductible.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption