Possibly — if money is successfully recovered from the person who caused the accident.
That recovery process is usually called subrogation.
How does it work?
Your insurer may pay your covered vehicle damage first.
If another driver was responsible, the insurer can then try to recover what it paid from that driver or their insurance company.
Your deductible may be part of that recovery.
Will I definitely get all $2,500 back?
No. The result can depend on:
- whether the other driver can be identified
- whether they have valid coverage
- whether fault is disputed
- whether the insurer successfully recovers money
- your state's deductible-recovery rules
Some states have specific rules requiring an insurer to include the policyholder's deductible when pursuing subrogation.
What should I ask?
Ask the claim handler:
- “Are you pursuing subrogation?”
- “Is my deductible included in the recovery?”
- “Have you recovered anything yet?”
How long does subrogation take? →Why did I have to pay a deductible if I wasn't at fault? →
Coverage can vary by state.
Deductible-recovery rules are set by your state. Open your state and jump straight to what we have verified.