How am I able to get my deductible back from an at-fault driver?
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Asked August 19, 2013
Getting your deductible back after you were hit by someone else should not be hard to do. You'll need a copy of the police report, and the name of the insurance company for the at fault driver. Since the driver's information and the judgment for the accident are both included in the report, that person's insurance company will be able to verify the accident and coordinate your deductible with you or your insurance company.
If you do not have a police report, you may not be able to get your deductible back. If your insurance company has agreed to pay the repairs after you pay a deductible, they will also be willing to take on the insurance company of the other driver for you. The problem is, without a police report there is no accident to base the claim against. This is why you always have the police clear an accident before driving away. Once either of the parties have left the scene of the accident, proving the fault of incident could be difficult to establish.
Contact your insurance agent and let them know you are having a problem. You will need your own policy number, the case number of the police report, and any information you are able to provide about insurance company of the other driver. If not insurance company name is available, the name of the other driver may be used, and your insurer can pursue that person directly to recoup the losses.
Do not approach the other driver directly to get your deductible back. This could result in harassment charges and has the potential for unpleasant behavior on the part of either party. Treat the accident as a legal matter and allow it to be pursued in a legal manner. Even if you know the at fault personally, keeping your insurance transactions in the proper channels could prevent a great deal of misunderstanding and associated unpleasantness.
Answered August 19, 2013 by Anonymous