Getting into a car accident can be extremely scary and frustrating, especially if you weren’t the at-fault driver. As providers of the best home and auto insurance in Illinois, we want to explain that it is possible to recover your deductible if you were not the driver who was at-fault of causing the accident.
After the accident occurs, the at-fault driver’s insurance company will estimate how much money is needed to repair your car. It is at this point that they will pay you the money you need to make repairs, or they will pay you how much your car was worth at the time of the accident. Rest assured that this process does not require you to file a claim on your own insurance policy, but it is a possibility if you so please.
Advantages of Filing Through Your Insurance Company
If you go through your insurance company to file a claim, you will receive your compensation much quicker as opposed to dealing with the at-fault driver’s insurance company. The other insurance company may drag their feet when it comes to paying you and be more focused on their own clients.
Just because you go through your own insurance company does not mean that you need to pay. Rather, they may begin the process of “subrogation” in order to recover your money.
At Accurate Auto Insurance, we are dedicated to providing the best home and auto insurance in Illinois. Please feel free to contact us if you have more questions about recovering a deductible!