That’s how insurance works. If you go through your insurance, you are subject to your $2,000 collision deductible. Your insurance will then pursue the other driver (and their insurance) for your damages (it’s what is termed “subrogation”) and if they are successful, they will collect and return your deductible to you. If they are unsuccessful (other driver not actually liable, other driver not insured, and funds not collectible) your insurer is out their money, as well as you.
Your other option is to try to claim against the other driver. Bear in mind the other driver’s insurer has a duty to the other driver and NONE to you. So if there is a dispute, the other driver’s insurance will side with them.
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If you go through your own carrier, the deductible is owed regardless of fault.
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That’s how insurance works. If you go through your insurance, you are subject to your $2,000 collision deductible. Your insurance will then pursue the other driver (and their insurance) for your damages (it’s what is termed “subrogation”) and if they are successful, they will collect and return your deductible to you. If they are unsuccessful (other driver not actually liable, other driver not insured, and funds not collectible) your insurer is out their money, as well as you.
Your other option is to try to claim against the other driver. Bear in mind the other driver’s insurer has a duty to the other driver and NONE to you. So if there is a dispute, the other driver’s insurance will side with them.
If you go through your own carrier, the deductible is owed regardless of fault.