The accident wasn't my fault. Do I still have to pay a deductible?
Regardless of fault, you'll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there's a chance to recover the damages from the person responsible for the accident, we'll attempt to recover them, including your deductible. If we aren't successful, you have the option of trying to recover the costs on your own. See our subrogation section for more information.