How you might get your collision deductible back
An auto insurance recovery specialist walks you through it
Filing under your own collision coverage can get a repair or total loss claim moving. You usually pay the deductible listed in your policy. Your insurer may then try to get paid back by the driver or insurer responsible. That process is called subrogation. If money is recovered, you may get part or all of your deductible back. [1, 2]
Find out whether your insurer is seeking repayment
Expect it to take a while
Getting money back can take time. The other driver may dispute fault, have no coverage or have limited money. In some places, shared fault can shrink the amount recovered. Ask how your insurer will keep you posted and what would make it stop trying. Don’t plan on a refund to pay a bill that’s due now. [1, 2]
Check before you settle with the other side
Tell your own insurer before you take money or sign a release from the other driver or their insurer. A settlement can affect your insurer’s right to recover. You may have a separate claim for losses your insurer didn’t pay. If so, ask how that claim fits with subrogation and the release. Get the answer in writing before you sign. [1, 2]
What to ask your insurer
- Does your recovery demand include my deductible?
- How will any money recovered be split?
- When should I check back for another update?
Confirm where things stand
Ask the claim handler to confirm the status of the recovery and the amount of your deductible. [1]
Sources and further reading
- 1Washington insurance commissioner, subrogation and deductible recovery
- 2California Department of Insurance, subrogation after a crash
General information from an auto insurance recovery perspective. Recovery rules and timing depend on your state, your policy and how fault is decided. There’s no guarantee you’ll get your deductible back.
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Guides, self-checks and articles for drivers, parents of new drivers, and families recovering after a crash.
