my vehicle was damaged by a garage collapsing am i liable for the deductible since my insurance company will be filing claim against garage owners insurance

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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 21, 2018

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Insurance Question from Carrollton, TX

Asked on 08/21/2018

my vehicle was damaged by a garage collapsing am i liable for the deductible since my insurance company will be filing claim against garage owners insurance see above

Answer given on August 27, 2018

If your vehicle was damaged due to a collapse of a building you don’t own, and your insurance company is handling the claim for damages to the vehicle, you will be subject to the deductible under your policy.  However, your insurance company will be subrogating against the owner of the building for the damages they have paid for your vehicle.  If your insurance company can collect all damages from the other insurance company, your insurance company will reimburse you for the deductible under your policy. If your insurance company only collects a portion of the amount they paid out for your vehicle, they will only get a portion of your deductible and they will pay you that percentage of the deductible. It is most likely they will receive full payment from the other insurance company unless there are several other vehicles involved and the insurance coverage for damage to others is insufficient. If that is the case then your insurance company will only get a percentage of the damages for your vehicle.

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