Deductible

Do I always have to pay my deductible, even when I am not at fault?

Not always.  You may still have to pay the deductible or a portion of it, depending on the circumstances of the claim.  We have a few guidelines that must be met to waive the deductible, so it is always important to obtain a police report and take good photographs of the accident scene as it may wave your deductible.
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