Can your deductible be recovered from the vehicle that tore down fence?

Whether you can recover your deductible from the vehicle that tore down your fence depends on the circumstances of the incident and the auto insurance policies involved. Here are a few scenarios:

1. If the Other Driver Was Clearly at Fault: If the other driver was clearly responsible for the accident that resulted in your fence being torn down, you may be able to recover your deductible from their auto insurance company. In this case, you would need to file a claim with the other driver's insurance company. The insurance company will investigate the claim and, if they find that the other driver was at fault, they may pay for the damage to your fence, including your deductible.

2. If You Were Both at Fault: If the accident was determined to be partially your fault, you may still be able to recover some of your deductible. The percentage of fault assigned to you will affect the amount of your deductible that you can recover. For example, if you were found to be 30% at fault, you may be able to recover 70% of your deductible from the other driver's insurance company.

3. If Your Own Insurance Has Deductible Reimbursement Coverage: Some auto insurance policies include deductible reimbursement coverage. This type of coverage reimburses you for the deductible you have to pay when you file a comprehensive or collision claim. If you have deductible reimbursement coverage, you can file a claim with your own insurance company to recover your deductible.

It is important to read your own auto insurance policy carefully to understand what coverage you have and how it works. You should also contact your insurance company or an insurance professional if you have any questions about whether or not you can recover your deductible in a specific situation.