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What coverages do I have to buy?
What does "full coverage" mean?
What happens after I file a claim?
Why do I have to pay my deductible when the other party is at fault?
Why did my adjuster deduct for betterment?
What is comparative negligence?
Why is my vehicle a total loss?
How will the insurance company settle my total loss?
Why do I have to pay my deductible when the other party is at fault?
When you choose or have to file a claim under your policy, the claim will be processed under your collision insurance. This coverage has a deductible, which must be paid no matter who is at fault. If your insurance company can prove the other party is liable, it will send him or her a bill for the full cost of the repairs. This is called a "subrogation demand." When the other party or his or her insurance company pays the demand, your insurance company will send you a check for your deductible.
© 2008 By Higgins Body & Paint, Inc. All rights reserved.
