Yes, your deductible always applies, even if you are not at fault. However, if the other party accepts liability, their insurance will cover the cost of your damages including your deductible.
You have the option to file a claim through the at-fault driver’s insurance company, or file through your policy at Bear River Mutual.
If you file through your policy at Bear River Mutual, you will be responsible for your deductible payment upfront. This can speed up repairs or other processes. We will then attempt to recover and reimburse your deductible amount by the at-fault driver insurance, but that can sometimes be a lengthy process.
Or you can wait for the at-fault insurance company to work with you on the claim.