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If the accident is not your fault, you may not have to pay the deductible. When you file a claim with your insurance company, they will determine who is at fault based on the evidence and information provided. If the other party is found to be at fault, their insurance company may be responsible for covering the damages, including the deductible. 

Remember, insurance policies and laws can vary, so it’s important to review your specific policy or consult with your insurance provider for accurate information. They will guide you through the claims process and explain how your deductible will be handled in the event of an accident that is not your fault.

Determining fault in an accident

Determining fault in an accident involves assessing various factors such as police reports, witness statements, photos, and other evidence. Insurance companies will typically investigate the accident to determine who is at fault. It’s important to cooperate with your insurance company during this process and provide any relevant information or documents you have.

Filing a claim with your insurance company

When you’re involved in an accident that is not your fault, you still need to file a claim with your insurance company. Contact your insurance provider as soon as possible after the accident to initiate the claims process. Provide them with all the necessary details, such as the date, time, and location of the accident, and any supporting documents or evidence you may have.

The other party’s insurance company will typically get involved in the claims process once the fault has been determined. They will assess the damages and negotiate with your insurance company. Their role is to handle the claim on behalf of their policyholder and provide compensation for the damages caused by their insured.

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