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DocPsychosis t1_jef849w wrote

Reply to comment by 84740296169 in Is this normal after an accident? by Impossible-Cry-495

>Go through your insurance, pay your deductible, and your insurance company subrogates the other party's insurance.

In some cases your company may even waive the deductible pending the investigation and subrogation process. Mine did after I was rear-ended; presumably it's so unlikely to have been my fault that it's not worth charging then refunding the few hundred dollars every time.

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shadracko t1_jefkfc2 wrote

Usually in those cases, the other insurance company already admits fault quickly without any substantial investigation, which allows your insurer to waive deductible. If you are hit from behind, and there are no serious injuries, it's pretty common for insurance companies to come to an understanding about fault in <24 h.

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