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Question DetailsAsked on 1/9/2015

how can I avoid paying the deductible for a fender bender

car was damaged on the left rear side of my car while parked in parking lot in my apartment complex and has full coverage.

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1 Answer


If you know who hit it, file a claim with THEIR insurance company, not yours. File a police report too to cover yourself, and get lots of photos.

If you do not know who did it, get lots of photos, then check out cars in the lot at different times of day (late night or very early morning probably most productive) and see if you can find your paint on someone's bumper, take pictures, then call the cops to file a hit and run accident report - letting THEM find out who the car belongs to. Then file a claim against THEIR insurance company, not yours.

If cannot find out who hit you, unless your policy has a zero deductible for your uninsured motorist coverage (some do), you have to pay the deductible - that is the price you paid for getting the rate the insurance company gave you. Without significant deductibles, everyones insurance would skyrocket from the insurance company costs of adjusting and paying small claims, plus the increase in fraud and small claims that history has shown occurs when there are no meaningful deductibles.

Answered 5 years ago by LCD

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