Tip:
Highlight text to annotate it
X
Most drivers think they have to pay a deductible anytime they make a claim on their car insurance --
but that's not always the case. In Canada, the requirement to pay a deductible after
an accident often depends on the province where your car is insured.
It's true that if you're involved in an accident where you're found to be 100% "at-fault",
then you'll have to pay the deductible on your car insurance policy.
But if, for example, you live in Quebec and you're in an accident where it's been determined
that you're "not at-fault", you don't have to pay the deductible.
What if you're involved in an accident where you're partially "at-fault"? In that case,
you would have to pay a percentage of the deductible. For example, if you were 50% at-fault,
you would have to pay for 50% of your deductible. In this case, partial fault would be determined
by both your insurance company, and the other driver's insurance company.
If you have questions about your coverage, ask your licensed insurance advisor about
how deductibles work in your province, and whether you'll have to pay a deductible if
you need to make a claim.