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A Car Accident With My Own Car

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 02/21/2016

Question: I was just in a car accident, but both cars are mine. Do I have to pay my deductible on both cars to get them fixed?

Answer: It all depends on your insurance company. Some insurance companies make you pay both deductibles if you are in a car accident with your own vehicles, others will just have you pay for one deductible and the best ones are the companies that completely waive both deductibles. The only way you will know what your insurance company will do is to ask your agent or insurance company.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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