When somebody hits your car. How long do you wait till you get your deductable backfrom the other Ins. co. ?

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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 3, 2012

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Insurance Question from Elwyn, PA

Asked on 08/03/2012

When somebody hits your car. How long do you wait till you get your deductable backfrom the other Ins. co. ? I need my deductable back

Answer given on August 04, 2012

If your car is damaged in an accident, and you go through your insurance company for the repairs, then your insurance company will contact the responsible insurance company for reimbursement. This is called subrogation.Subrogation can take one to two months to resolve. Your insurance company has to settle the claim with you and then find the insurance company which covered the other party. They then file a claim through that company and that company will investigate the claim themselves and determine if they are responsible for the damages. Some companies work very slowly on this and others are prompt.If it has been over two months, call your adjuster and see if they can tell you how the process is going. If it less than two months, wait a little while longer. Your insurance company wants its money back so they will pursue this claim.Sometimes it is better to go through the other insurance company since they will pay the full amount of repairs. If you had done this you wouldn’t be waiting for your reimbursement.

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