yes, you have to pay the deductible. Check the contract you signed, you can find the information about it.For example, if the deductible is $500 and you cost $1200 to fix your car,
the insurance company will only pay you 1200-500=$700.
if the deductible is $500 and you cost $200 to fix your car, the insurance company won't pay you because the cost is lower than your deductible.
-birdswimming(feifei);
2002-7-29{281}(#662986@0)
?? the air bags of our car were stolen several weeks ago. I assume it was not my responsibility. But the insurance company said that we should pay the deductible for it. why? TIA.
-lusi(丑小鸭);
2002-7-29(#662998@0)
如果是对方的错，你只掏deductible。如果是你的错，而你保了全保，你也只要付deductible，但你的保费从此将大增。下面举个例子：Example #1
(the other driver is entirely responsible)
Your car has an actual cash value of $12,000.
You are involved in an accident for which
someone else is 100% responsible. Your car is a
total loss.
Your Direct Compensation - Property Damage
(DC-PD) deductible is $300. We will pay
$11,700 ($12,000 less $300, the deductible). We
will also pay for reasonable alternate
transportation.
In sum: You receive $11,700. You are
responsible for $300, the DC-PD deductible.
-myexpert(我的保险专家);
2002-7-29{480}(#663017@0)
You can select 0 ductible for your car. I discussed with my car insurance company, if $500 detuctible, -$60 one year; if $1000 detuctible, -$95 onea year.
-danpen1(dan);
2002-7-29(#663018@0)
You surely can select 0 ductible. But it comes with its price. Generally it makes sense to increase Deductable to a certain level, since you won't file claim for every single (even little) damages.
-myexpert(我的保险专家);
2002-7-29(#663020@0)
I want some detuctible, but the insurance gave me 0 ( I don't know at first). Even though you aren't at fault in any accident, you still have to pay the detuctible.
-danpen1(dan);
2002-7-29(#663044@0)
Yes, you must pay your deductible if the other side is at fault. That's the rule.
-hearts(hearts);
2002-7-29(#663292@0)
I do NOT think so. I think the guideline is that if your insurance company needs to pay, you have to pay the deductible first. So ...if the other driver is at 100% fault, you do NOT need to pay deductible since your insurance company pay nothing.
-york_region(york_region);
2002-7-30{113}(#664125@0)
Please see #663017 and #663029
-myexpert(我的保险专家);
2002-7-30(#664129@0)
In Ontario, "under Direct Compensation, you will recover the portion of your deductible, to the extent that the other driver was at fault, from your own insurer."
-windblue(入宝山而空手归);
2002-7-31{397}(#666875@0)