Will I have to pay the deductible if the accident isn’t my fault?

Your claim payment will always be reduced by whatever your deductible is. If there is some source for us to recover our payment and your deductible from, such as in the case where another party is at fault and is insured, we will seek reimbursement for our claim payments as well as your deductible. This process is called subrogation and often takes weeks and sometimes months to collect.