Q: If the other party insurance only cover liability, and not collision, why am I paying for my own deductible

A: Liability insurance typically covers damages to the other party involved in an accident if you are found responsible for the incident. It does not cover the damages to your own vehicle. Collision insurance, on the other hand, is designed to cover the damages to your own vehicle in the event of a collision, regardless of fault.

If the other party's insurance only covers liability and not collision, it means their insurance will not pay for the repairs or damages to your vehicle. In this case, you would need to rely on your own collision insurance, if you have it, to cover the costs of repairing your vehicle. However, collision insurance often comes with a deductible, which is the amount you are responsible for paying before the insurance coverage kicks in.

So, if you have collision insurance and need to file a claim to cover the damages to your vehicle, you would typically be required to pay your own deductible amount. The insurance company would then cover the remaining cost, up to the policy limits.

It's important to review your insurance policy and speak with your insurance provider to fully understand the coverage you have and any applicable deductibles or limitations. They can provide you with specific details regarding your policy and guide you through the claims process.

A: It could depend on how the claim was handled. If you're going through your own insurance as a first-party claim, then you could have to deal with a deductible. That's only a general guess - a local attorney could offer more definitive guidance with additional information about how fault was split here, coverage of the two policies, and how the claim was filed. Good luck