Deductible Recovery Calculator
You used your own collision coverage, paid the deductible, and the accident wasn't (all) your fault. Your insurer can now collect from the other driver's insurer, and your deductible should come back with it. See how much to expect, where you are in the process, and what to send.
Short answer
If the other driver was at fault and your insurer paid for your repairs, it can recover that money from the at-fault driver's insurer (subrogation) and should refund your deductible from what it recovers. If only part is recovered, many insurers and some state rules refund the same share of your deductible. You can also claim it from the at-fault insurer yourself.
Message to your insurer
How you get your deductible back
When your insurer pays for damage someone else caused, it takes over your right to collect from them. This is called subrogation. It asks the at-fault driver's insurer to repay what it paid, and to include your deductible in that demand.
The NAIC's model claims regulation, which many states have adopted in some form, says insurers must include your deductible in subrogation demands when you ask, and must share recoveries with you on a proportionate basis unless your deductible has been recovered some other way. It also bars deducting the insurer's expenses from your share unless an outside attorney is hired, and then only a pro rata share.
How the amount is worked out
Expected refund = deductible × (100% − your share of fault) × the share your insurer actually collected. If you were 20% at fault and the insurer collected everything it was owed, a $1,000 deductible comes back as $800.
Or claim it yourself
You don't have to wait. You can claim the deductible directly from the at-fault driver's insurer, as part of a property damage claim that also covers your rental costs and diminished value. Tell your own insurer if you do, so you aren't paid twice.
Already settled a claim? Share the first offer and what you finally got, anonymously, in 30 seconds. It helps us build the Lowball Index, which we publish once enough claims are in.
Worked example
You paid a $1,000 deductible. The other driver's insurer accepted 80% of the fault and paid your insurer 80% of what it was owed.
Your share back: $1,000 × 80% = $800. If your insurer had settled for only 90% of that, you would get $720.
Frequently asked questions
How long does it take to get my deductible back?
Often a few weeks to a few months when fault is clear and the other driver is insured. It can take a year or more if fault is disputed and the insurers go to inter-company arbitration. Ask your insurer for a status update in writing if you haven't heard anything in two to three months.
Will I get my whole deductible back?
Only if the other driver was fully at fault and your insurer recovers in full. If you share some fault, or the insurer settles for less, you usually get the same proportion of your deductible.
What if my insurer decides not to pursue subrogation?
Ask them to confirm it in writing, then claim the deductible from the at-fault driver's insurer yourself or file in small claims court, before your state's deadline for property damage lawsuits.