How am I able to get my deductible back from an at-fault driver?

If you were not at fault in a car accident, your insurance company may cover the cost of repairs to your vehicle and then try to recover the costs from the at-fault driver or their insurance company. If you have collision coverage on your policy, you may be able to have your insurance company pay for the repairs to your vehicle and then seek reimbursement from the at-fault driver or their insurance company. In some cases, you may be able to negotiate directly with the at-fault driver or their insurance company to recover your deductible. Here are the four steps you can take:

1. Obtain the at-fault driver's insurance information: If the other driver was at fault in the accident, they should be responsible for paying for your damages. Obtain their insurance information, including the name of their insurance company and their policy number.
2. File a claim with their insurance company: Contact the at-fault driver's insurance company to file a claim. Provide them with your insurance information, details about the accident, and a copy of the police report.
3. Negotiate with the insurance company: Once the insurance company has assessed the damage to your vehicle, they will determine the amount of the claim. If you disagree with their assessment or believe that the amount offered is insufficient, you may be able to negotiate directly with the insurance company. You can ask them to reimburse you for your deductible as part of the settlement.
4. Consider legal action: If the at-fault driver's insurance company is unwilling to reimburse your deductible or is disputing the claim, you may need to consider taking legal action. You can consult with an attorney who specializes in personal injury and insurance law to discuss your options.

It's important to remember that recovering your deductible from an at-fault driver may not always be possible. In some cases, the at-fault driver may not have insurance, or their insurance policy may not cover the full cost of the damages. If this is the case, you may need to rely on your own insurance policy to cover the cost of the repairs and your deductible.