You don’t pay a deductible in every type of claim. When you have an accident that is someone else’s fault, their insurance should pay for the damages to your car. In this instance, you won’t pay a deductible as long as they are insured and the insurance company accepts blame. The liability portion of their policy will pay for your repairs without you owing a deductible.
However, if the other party doesn’t have insurance or doesn’t accept blame, you may need to go through your own insurance company to process the claim. In this case, you most likely will pay your deductible to get your car fixed. Because you are not at fault, your insurance company may try to subrogate, meaning it will reclaim the losses from the other insurance company or party.
If the company is successful in subrogation, it can get your deductible back. If it is not successful, you’ll be out for your deductible. While this situation is not ideal, the good news is that the claim will not affect your insurance premiums.
Premiums rise when you have at-fault accidents or moving violations. Not every claim affects your car insurance premium, and a not-at-fault accident would not.
It will be a similar situation if you get hit by an uninsured motorist, unless you have opted for uninsured and underinsured motorist coverage. If you have uninsured motorist coverage, it will work like liability insurance and cover the damages to your car as if it were the other party’s insurance. In this situation, you wouldn’t pay a deductible.
However, if you didn’t elect for this coverage, you’d be left using your collision coverage and paying the deductible to get your car fixed. To get your money back, you would need to sue the other party in small claims court, win, and collect the funds.