How do I recover my deductible from the at-fault driver?

You usually don't have to pay your deductible if you aren't at fault for the accident. Typically, your insurance provider will pursue the subrogation process for you and recover the deductible from the at-fault driver on your behalf. Your insurance company will inform you when the subrogation process begins and will recover your deductible from the at-fault driver and then refund it back to you in the event that you paid upfront for damages.

UPDATED: Nov 29, 2022Fact Checked

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Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

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Written by Maria Hanson
Insurance and Finance Expert Maria Hanson

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Nov 29, 2022

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UPDATED: Nov 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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