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Do I have to pay the deductible if it’s not my fault?

Most auto accidents result in minor injuries, but they all, by definition result in at least some property damage. Many people contact me about their accident and ask, “Do I have to pay the deductible if it’s not my fault?”

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Do I have to pay the deductible if it’s not my fault?

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  1. Do​​I​​have​​to​​pay​​the​​deductible​​if​​it’s​​not my​​fault? Most​​auto​​accidents​​result​​in​​minor​​injuries,​​but they​​all,​​by​​definition​​result​​in​​at​​least​​some property​​damage.​​Many​​people​​contact​​me about​​their​​accident​​and​​ask,​​“Do​​I​​have​​to​​pay the​​deductible​​if​​it’s​​not​​my​​fault?” Do​​I​​have​​to​​pay​​the​​deductible​​if​​it’s​​not my​​fault? Most​​people​​don’t​​pay​​much​​attention​​when they’re​​buying​​automobile​​insurance​​online​​or from​​an​​insurance​​broker.​​The​​majority​​of drivers​​are​​looking​​for​​the​​cheapest​​insurance possible​​to​​meet​​the​​mandatory​​minimum requirements​​set​​forth​​by​​the​​State​​of​​Illinois.​​As such,​​they​​accept​​high​​deductibles​​and purchase​​inadequate​​amounts​​of​​uninsured​​and underinsured​​coverage.​​Unfortunately,​​if​​you

  2. commoditize​​the​​insurance,​​you​​may​​get​​left paying​​a​​high​​deductible​​if​​you​​are​​involved​​in an​​accident. What​​is​​a​​deductible? In​​short,​​a​​deductible​​is​​a​​specific​​amount​​of money​​an​​insured​​has​​to​​pay​​before​​the insurance​​company​​pitches​​in​​to​​pay​​for​​the damage​​to​​a​​damaged​​vehicle. For​​example,​​if​​you​​contracted​​with​​Allstate Insurance​​for​​a​​$500.00​​deductible​​and​​your​​car has​​$750.00​​in​​damage​​to​​it,​​you​​will​​have​​to pay​​the​​first​​$500.00​​before​​the​​insurance company​​pitches​​in​​the​​extra​​$250.00. Read​​More

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