Two Car Insurance Deductibles?
Reader question:
Could there ever be a situation in which I would have to pay two car insurance deductibles?
Great question.
It would be a weird situation, but it does happen, and all the time. The situation in which you would have to pay your car insurance company two deductibles for a collision would be if you ran into a car that belongs to you or is under the same policy. This happens a lot when drivers try to squeeze out of tight positions on a driveway, and for this reason taking your chances isn’t advisable, considering the costs.
It may not make a lot of sense at first that you would have to pay two car insurance deductibles when both of the vehicles involved in the accident belong to you, but if you think about the way the car insurance claims process works, then it begins to. First of all, if you get into a crash with someone else, then you won’t have to pay a deductible if they are at fault. But if you get into a car accident with yourself, it’s obvious who is at fault, but how can you accuse yourself as being at fault and file a claim against yourself? It just doesn’t make sense. So you have to take it as though there were two at fault drivers in the situation, one who didn’t back up right, and one who didn’t park right, and both of them are you.
Cheers,
Fashun Guadarrama.
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