do you have to pay your dedctiblel if your car is legally parked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 14, 2014

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Insurance Question from Highland, MI

Asked on 08/14/2014

do you have to pay your dedctiblel if your car is legally parked NULL

Answer given on August 16, 2014

When your car is struck by another driver, even if the car is legally parked the deductible for collision will apply if you use your insurance company. If you know who the other driver was and get their insurance company information you can go directly to them to arrange to have your car repaired. You can use your insurance company even if you do know who the other insurance company was and then your insurance company will subrogate against the other insurance company. If they are successful in recovering the money for your repairs your deductible will be reimbursed.If the incident was a hit and run, your only recourse is to have your insurance company repair your car and the deductible will apply and there is no way to get reimbursed for it. Even if you have uninsured motorist property damage the deductible will apply as UMPD does not apply unless there is an identifiable driver involved. However, even if your insurance company pays for the damages, your rates will not be affected since the accident was not your fault.

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