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You do not have to pay a deductible if someone hits your parked car, that person is identified, and they have property damage liability insurance. If you file a claim with your own collision insurance or uninsured motorist coverage after someone hits your car, then you will likely have to pay a deductible.
In nearly every state, drivers are required to have property damage liability insurance in order to pay for damage that they cause in an accident. When another driver is at fault, their property damage insurance will cover repairs to your vehicle, and you will not be responsible for paying anything out of pocket. But if the accident is a hit-and-run, you can use your collision insurance or uninsured motorist coverage to pay for the damage.
Collision insurance pays to repair or replace your car when it’s damaged in an accident, and it usually has a deductible between $100 and $1,000. On the other hand, uninsured motorist property damage (UMPD) coverage, which pays to fix your car if you’re hit by an uninsured motorist, may not have a deductible depending on your state. Keep in mind that not all states offer UMPD, and even in those that do, you may not be able to use it if the at-fault driver is unidentified.
To learn more, check out WalletHub’s guide to car insurance deductibles.
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