{"id":1536,"date":"2025-07-18T14:16:56","date_gmt":"2025-07-18T21:16:56","guid":{"rendered":"https:\/\/www.njnylawyers.com\/?p=1536"},"modified":"2026-05-05T13:26:07","modified_gmt":"2026-05-05T20:26:07","slug":"car-accident-deductible-responsibility","status":"publish","type":"post","link":"https:\/\/www.njnylawyers.com\/zh\/blog\/car-accident-deductible-responsibility\/","title":{"rendered":"\u5728\u65b0\u6cfd\u897f\u5dde\u7684\u6c7d\u8f66\u4e8b\u6545\u4e2d\uff0c\u8c01\u6765\u652f\u4ed8\u514d\u8d54\u989d\uff1f"},"content":{"rendered":"\n<section class=\"gp-cta\" aria-labelledby=\"gp-cta-title\">\n  <style>\n    .gp-cta,\n    .gp-cta * {\n      color: #fff !important;\n    }\n\n    .gp-cta {\n      background: #1e1e1e;\n      border-radius: 16px;\n      padding: clamp(20px, 3.5vw, 36px);\n      margin: 2.25rem 0;\n      box-shadow: 0 10px 30px rgba(0,0,0,.12), 0 6px 12px rgba(0,0,0,.06);\n    }\n\n    \/* \ud83d\udd25 NEW padding fix *\/\n    .gp-cta__inner {\n      padding: 0 24px; \/* Add side padding *\/\n    }\n\n    .gp-cta h3 {\n      margin-top: 0;\n      font-size: clamp(1.25rem, 2.2vw, 1.75rem);\n      font-weight: 700;\n    }\n\n    .gp-cta p {\n      margin: 0 0 1rem 0;\n      font-size: clamp(.98rem, 1.3vw, 1.05rem);\n    }\n\n    .gp-cta__button {\n      background: #ececec;\n      color: #1e1e1e !important;\n      padding: 12px 18px;\n      border-radius: 999px;\n      text-decoration: none;\n      font-weight: 700;\n      display: inline-flex;\n      align-items: center;\n      gap: .55rem;\n      margin-top: 12px;\n    }\n\n    .gp-cta__trust {\n      margin-top: 12px;\n      font-size: .86rem;\n      opacity: .9;\n    }\n  <\/style>\n\n  <div class=\"gp-cta__inner\">\n    <h3 id=\"gp-cta-title\">Wondering Who Pays the Deductible After a NJ Car Accident?<\/h3>\n    <p>When you\u2019re in a crash, the question of who pays the deductible can feel like another punch you didn\u2019t need. If not, you may owe nothing\u2014though it may take time for your insurer to recover the cost if they already paid for your repairs.<\/p>\n\n    <a class=\"gp-cta__button\" href=\"https:\/\/www.njnylawyers.com\/contact\/\">\n      Schedule Your Free Consultation\n      <svg aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n        <path d=\"M5 12h12M13 6l6 6-6 6\"\n              stroke=\"currentColor\" stroke-width=\"2\"\n              stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n    <\/a>\n\n    <div class=\"gp-cta__trust\">Free consultations \u2022 Available 24\/7<\/div>\n  <\/div>\n<\/section>\n\n\n\n<p>Getting into a car accident is stressful enough, but figuring out who pays the deductible in a <a href=\"\/new-york-city-personal-injury-lawyers\/nyc-car-accident\/\">car accident<\/a> can add even more confusion to an already overwhelming situation. <\/p>\n\n\n\n<p>Whether you were hit by another driver or involved in a multi-car collision, questions about insurance coverage and out-of-pocket expenses are likely at the top of your mind. Many drivers assume that the at-fault party will cover everything, but that\u2019s not always how it works in New Jersey.<\/p>\n\n\n\n<p>This article will walk you through everything you need to know about deductibles after an accident: Do I have to pay a deductible if someone hit me? Do I get my deductible back if I\u2019m not at fault? And most importantly, how can a <a href=\"\/new-jersey-car-accident-lawyers\/\">New Jersey car accident<\/a> lawyer help me navigate the process?<\/p>\n\n\n\n<p>At <a href=\"\/\">Glugeth &amp; Pierguidi, P.C.<\/a>, we help accident victims across New Jersey recover the compensation they deserve. We know how insurance companies operate and how to push back when they try to underpay claims or unfairly stick you with the bill.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding What a Deductible is in New Jersey?<\/h2>\n\n\n\n<p>A deductible is the amount of money you must pay out of pocket before your auto insurance coverage kicks in to cover a claim. It\u2019s essentially your share of the risk in the insurance contract. <\/p>\n\n\n\n<p>When you purchase an auto insurance policy, you agree to pay a certain deductible amount for each type of coverage, such as collision, comprehensive, or personal injury protection (PIP).<\/p>\n\n\n\n<p>For example, if your policy has a $500 collision deductible and your vehicle sustains $5,000 in damage from an accident, you would pay the first $500. Your insurance company would cover the remaining $4,500.<\/p>\n\n\n\n<p>Deductibles can vary based on the coverage type:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Collision deductible<\/strong>\u2014applies when your car is damaged in an accident, regardless of fault;<\/li>\n\n\n\n<li><strong>Comprehensive deductible<\/strong>\u2014applies when your vehicle is damaged by something other than a collision (e.g., theft, vandalism, or weather events); and<\/li>\n\n\n\n<li><strong>PIP deductible<\/strong>\u2014applies to your medical expenses in a no-fault state like New Jersey.<\/li>\n<\/ul>\n\n\n\n<p>Choosing a higher deductible typically lowers your monthly insurance premium. A lower deductible means you\u2019ll pay less if you ever need to file a claim, but your monthly payments will likely be higher.<\/p>\n\n\n<pre class=\"ti-widget\"><template id=\"trustindex-google-widget-html\"><div class=\" ti-widget  ti-goog ti-review-text-mode-readmore ti-text-align-left\" data-no-translation=\"true\" data-time-locale=\"%d %s ago|today|day|days|week|weeks|month|months|year|years\" data-plugin-version=\"13.2.9\" data-layout-id=\"15\" data-layout-category=\"slider\" data-set-id=\"drop-shadow\" data-pid=\"\" data-language=\"en\" data-close-locale=\"Close\" data-review-target-width=\"300\" data-css-version=\"2\" data-reply-by-locale=\"Owner's reply\" data-only-rating-locale=\"This user only left a rating.\" data-pager-autoplay-timeout=\"6\"> <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Next review\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Previous review\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div data-empty=\"0\" data-time=\"1706572800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->I think this Law Firm is great they got me twice the money that other law firms have quoted and it didn't take that long either once Jared got my case he worked diligently for my child to get the money that she deserved thanks Jared<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjVOKwQ_BllmyWz8uPeXNdZ0FC-_9Sam4EI1PqDxfJB7sA=w40-h40-c-rp-mo-br100\" alt=\"Elizabeth Btw profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elizabeth Btw <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1699488000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Really nice and caring staff. Got my case resolved in a few months. Highly recommend the team!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIQGWBzOdjv4CGB3T0kM4f1WuhwmbiyGFLKWP4jykMy=w40-h40-c-rp-mo-br100\" alt=\"Riya Tiwari profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Riya Tiwari <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1698019200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->My Wonderful\nLawyer,\nMr. Gary Basso, Esq. (Bronx, NY)\nReferred me to\nMedical Malpractice\nAttorney,\nMr. David Pierguidi, Esq.\nof The Glugeth\n&amp; Pierguidi Law Firm.\nMr. Pierguidi went right to work on my Case and put in alot of time and effort.\nHe Successfully\nSettled my Case\nwith the Best Possible Outcome\nand Monetary\nAward.\nI found David to be Very Kind,\nCaring, and a true\nExpert in his Field.\nI can't Thank him\nenough!\n\nEllen S. Friedman<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIY_Gs2FwhDBvI6Mi-myNjxwrwkwsXUNj7xVGqpKN-T=w40-h40-c-rp-mo-br100\" alt=\"Ellen Friedman profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Ellen Friedman <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1696464000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Honestly, a solid experience working with this firm. Very knowledgeable and dedicated to their clientele. I would suggest to me friends and family in the future, for sure! David is the real MVP! Thank you guys very much for your support, professionalism and patience.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjV_cJxQ_GnlxdBFqRSDfTQgkn3-hC_QEplkTmmW8QkZTDY=w40-h40-c-rp-mo-br100\" alt=\"Justin Velez profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Justin Velez <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1696464000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Estoy muy agradecido con el equipo de Glugeth &amp; Pierguidi, por que me brindaron un gran apoyo en mi caso, son un equipo integro, tienen un amplio conocimiento y experiencia en casos reales que conllevo a lograr el triunfo en mi caso. Los puedo recomendar completamente,  se que hacen lo mejor para uno, les expreso mi mas profundo agradecimiento y con el coraz\u00f3n anhelo que Dios los bendiga,  se merecen muchos triunfos y bendiciones.  Muchas gracias<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocJz5nKnOlfWBnDF_R4lL7OAR_zXflfAOlABEIPBeRv0=w40-h40-c-rp-mo-br100\" alt=\"Fernando Pena profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Fernando Pena <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1695340800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->I strongly recommend Jared Glugeth,and his legal team.\nthey were very professional, informative, and caring.\nthank you guies, and i wish you God's richest blessing.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKT_0WzBs4zyVHZX6X97eGBEe0H-kkyfKxkXykwwt40=w40-h40-c-rp-mo-br100\" alt=\"Lancelot Wright profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Lancelot Wright <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1694908800\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->I highly recommend Jared, who was very consultative and professional when he represented me during my accident case. He communicated the process very clearly with me and looked out for my interests, resulting in a favorable outcome.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocKazhwJkcYtVpMcqPqTzbr-L_Y1wmwNbhlNJDtbuzcQ=w40-h40-c-rp-mo-br100\" alt=\"Isabelle Albert profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Isabelle Albert <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1692144000\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Muy bueno , los recomiendo, trabajas muy r\u00e1pido , los caso<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjW3p9Jed3dXZ_ZJ8bcyf4xyR9GDKlnJBn3Phlfu07cb-Q=w40-h40-c-rp-mo-br100\" alt=\"Juan Rodriguez profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Juan Rodriguez <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1691539200\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->Very happy with the outcome of my case.  David and I set a settlement goal when we started my case.  David managed to settle for double our original goal! David and Jared were there whenever I had questions and never hesitated to meet with me to discuss my case.  I highly recommend this law firm.<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a\/ACg8ocIfuT0nN1WE2HtW6ahO-G_Xg_f16gDkU4K3pWLkGl8C=w40-h40-c-rp-mo-br100\" alt=\"Bill Halkias profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Bill Halkias <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <div data-empty=\"0\" data-time=\"1691193600\" class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-id=\"cfcd208495d565ef66e7dff9f98764da\"> <div class=\"ti-inner\"> <div class=\"ti-review-content\"> <span class=\"ti-stars\"><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><trustindex-image class=\"ti-star\" data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\"><\/trustindex-image><span class=\"ti-verified-review ti-verified-platform\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-text\"><!-- R-CONTENT -->From the moment I called about my case Glugeth &amp; Pierguidi P.C. was amazing to work with. They gotten me what I deserve, any questions or concerns I had they answer and always reachable when needed! I highly recommend, you won\u2019t be disappointed by them. They work hard for what you deserve. Thank you for taking my case!!<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-text\" data-collapse-text=\"Hide\" data-open-text=\"Read more\"><\/span> <\/div> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on <\/span> <trustindex-image data-imgurl=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"\" width=\"20\" height=\"20\" loading=\"lazy\"><\/trustindex-image> <\/div> <\/div> <div class=\"ti-review-header\"> <div class=\"ti-profile-img\"> <trustindex-image data-imgurl=\"https:\/\/lh3.googleusercontent.com\/a-\/ALV-UjX2ua7agAaKYtvWXg6_69W4_ktZx30up6fMpGIcxscSuS4=w40-h40-c-rp-mo-br100\" alt=\"taisha g profile picture\" loading=\"lazy\"><\/trustindex-image> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> taisha g <\/div> <div class=\"ti-date\"><\/div> <\/div> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div>    <\/div> <\/div> <\/template><\/pre><div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?wp-widget\" data-template-id=\"trustindex-google-widget-html\" data-css-url=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/trustindex-google-widget.css?1774154882\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Who Pays the Deductible in a Car Accident in New Jersey?<\/h2>\n\n\n\n<p>In New Jersey, the answer depends largely on who was at fault, what type of insurance coverage you carry, and whether you\u2019re making a claim through your insurance or the other driver\u2019s.<\/p>\n\n\n\n<p>Let\u2019s break it down.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If You Were at Fault<\/h3>\n\n\n\n<p>If you were at fault for the accident and using your collision coverage to repair your car, you will almost always be responsible for paying your deductible. Your insurer pays the rest of the repair bill after the deductible is met.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If the Other Driver Was at Fault<\/h3>\n\n\n\n<p>If someone else caused the accident and you\u2019re filing a claim through your own insurance, you may still have to pay the deductible up front. However, your insurer may attempt to recover that money from the at-fault driver\u2019s insurance through a process called <a href=\"\/blog\/how-does-no-fault-insurance-work-in-new-york\/\">subrogation<\/a>. If successful, they may reimburse you for the deductible.<\/p>\n\n\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_4' style='display:none'><div id='gf_4' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_4'  action='\/zh\/wp-json\/wp\/v2\/posts\/1536#gf_4' data-formid='4' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_4' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_4_5\" class=\"gfield gfield--type-html gfield--input-type-html gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><span class=\"form-title primary\">Schedule A Free Consultation<\/span><\/li><li id=\"field_4_1\" class=\"gfield gfield--type-text gfield--input-type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_4_1'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_4_1' type='text' value='' class='large'    placeholder='Name' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_4_2\" class=\"gfield gfield--type-email gfield--input-type-email field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_4_2'>Email<\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_4_2' type='email' value='' class='large'   placeholder='Email'  aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_4_3\" class=\"gfield gfield--type-phone gfield--input-type-phone field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_4_3'>Phone<\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_4_3' type='tel' value='' class='large'  placeholder='Phone'  aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_4_4\" class=\"gfield gfield--type-textarea gfield--input-type-textarea field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_4_4'>Description<\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_4' id='input_4_4' class='textarea medium'    placeholder='Message'  aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div><\/li><li id=\"field_4_6\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_4_6'>Untitled<\/label><div class='ginput_container ginput_container_text'><input name='input_6' id='input_4_6' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_4_7\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class=\"sms-form-notify\">By submitting this form and signing up for texts, you consent to receive informational text messages from Glugeth &#038; Pierguidi, P.C. at the number provided, including messages sent by the autodialer. Consent is not a condition of purchase. Msg &#038; data rates may apply. Msg frequency varies. Unsubscribe at any time by replying STOP. Reply HELP for help. <a href=\"\/privacy-policy\/\">Privacy Policy<\/a> | <a href=\"\/terms-conditions\/\">Terms &#038; Conditions<\/a><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <button  type='submit' id='gform_submit_button_4' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' >Contact Us Now<i class=\"fa fa-refresh\"><\/i><\/button> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_4' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_4' id='gform_theme_4' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_4' id='gform_style_settings_4' value='{&quot;inputPrimaryColor&quot;:&quot;#204ce5&quot;}' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_4' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='4' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='9CUPIdwbJo0o4BVLnyQ\/74Ws5fruMQGbtrd9O6ohVhhDgKii6K3CeJudCSoGWKpZkhgUqSIEhKc59DO\/GvcnVhv9W8Kr4aUusf\/H7kkBE86p5cg=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_4' value='WyJbXSIsIjA3YTIxMTM3NWIxYTllMmY1M2Q1NGNjMjgwYmE1YTFjIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_4' id='gform_target_page_number_4' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_4' id='gform_source_page_number_4' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"ak_\"><label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"ak_js\" value=\"165\"\/><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n\/* ]]> *\/\n<\/script>\n<\/p><\/form>\n                        <\/div><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 4, 'https:\/\/www.njnylawyers.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_4').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_4');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_4').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){form_content.find('form').css('opacity', 0);jQuery('#gform_wrapper_4').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_4').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_4').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_4').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_4').val();gformInitSpinner( 4, 'https:\/\/www.njnylawyers.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [4, current_page]);window['gf_submitting_4'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_4').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_4').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [4]);window['gf_submitting_4'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_4').text());}else{jQuery('#gform_4').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"4\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_4\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_4\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_4\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 4, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Do You Pay a Deductible If Not at Fault in New Jersey?<\/h2>\n\n\n\n<p>It might seem unfair, but you may still have to pay a deductible even if you weren\u2019t at fault for a car accident.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.nj.gov\/mvc\/vehicles\/insurancerequirements.htm\">New Jersey\u2019s no-fault insurance system<\/a> requires drivers to carry personal injury protection (PIP) coverage. Under this system, your insurance pays for your medical expenses after an accident, regardless of who caused it. With this system, you pay your deductible upfront.<\/p>\n\n\n\n<p>The same applies to vehicle damage. If you use your collision coverage to repair your car, you\u2019ll likely have to pay your deductible first and then seek reimbursement later if the other driver was at fault.<\/p>\n\n\n\n<p>Paying the deductible can feel like salt in the wound if you\u2019re not at fault. Fortunately, with legal help, you may be able to recover that cost through subrogation. An experienced New Jersey car accident lawyer can help ensure you don\u2019t foot the bill for someone else\u2019s mistake.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do You Get Your Deductible Back If You\u2019re Not at Fault in New Jersey?<\/h2>\n\n\n\n<p>If you had to pay a deductible after a car accident that wasn\u2019t your fault, you may be able to get that money back. This process is called subrogation.<\/p>\n\n\n\n<p>Subrogation is when your insurance company pays for your damages and then pursues repayment from the at-fault driver\u2019s insurance company. This repayment includes the deductible you paid out-of-pocket.<\/p>\n\n\n\n<p>For example, let\u2019s say you were rear-ended and your insurance covered the cost of repairs under your collision policy. You paid a $1,000 deductible. If the other driver was clearly at fault, your insurance company may file a subrogation claim with that driver\u2019s insurer to recover the total amount they paid and your $1,000.<\/p>\n\n\n\n<p>If the subrogation is successful and the at-fault driver\u2019s insurance accepts liability, you\u2019ll typically be reimbursed for your deductible. However, the timeline for reimbursement can vary.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How a New Jersey Car Accident Lawyer Can Help<\/h2>\n\n\n\n<p>Paying a deductible or getting reimbursed for it can be frustrating, especially if the accident wasn\u2019t your fault. A New Jersey car accident lawyer can help protect your rights, deal with insurers, and fight for you to recover every dollar you\u2019re owed. Here\u2019s how they can assist.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investigating Fault and Gathering Evidence<\/h3>\n\n\n\n<p>Fault must be established to determine who pays the deductible in an accident. An experienced lawyer can thoroughly investigate and build a strong case on your behalf. This investigation may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reviewing the police report,<\/li>\n\n\n\n<li>Interviewing witnesses,<\/li>\n\n\n\n<li>Analyzing crash scene photos and surveillance footage, and<\/li>\n\n\n\n<li>Consulting accident reconstruction experts.<\/li>\n<\/ul>\n\n\n\n<p>The stronger the evidence of the other driver\u2019s fault, the more likely your insurance company or theirs will reimburse your deductible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calculating Full Damages<\/h3>\n\n\n\n<p>Insurance companies often focus on immediate medical bills and car repairs, but a skilled attorney looks beyond the surface.<\/p>\n\n\n\n<p>Damages may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical expenses (emergency care, surgeries, physical therapy, medications);<\/li>\n\n\n\n<li>Missed income;<\/li>\n\n\n\n<li>Loss of future earning capacity;<\/li>\n\n\n\n<li>Out-of-pocket costs related to transportation or home modifications;<\/li>\n\n\n\n<li>Property damage (vehicle repair or replacement);<\/li>\n\n\n\n<li>Pain and suffering; and<\/li>\n\n\n\n<li>Emotional distress and reduced quality of life.<\/li>\n<\/ul>\n\n\n\n<p>Calculating damages also involves timing. Your attorney will likely advise waiting until you reach maximum medical improvement (MMI)\u2014the point at which your condition has stabilized\u2014so that future medical needs can be properly accounted for.<\/p>\n\n\n\n<p>By accurately calculating your damages and supporting them with strong evidence, your attorney can pursue a settlement or verdict that truly reflects what you\u2019ve lost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Handling Insurance Company Communications<\/h3>\n\n\n\n<p>Dealing with insurance adjusters can be intimidating, especially when recovering from injuries. Insurance companies may downplay liability, delay payment, or deny your reimbursement. Your lawyer will handle all communications to help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prevent you from making statements that could hurt your claim;<\/li>\n\n\n\n<li>Push back against lowball offers or denials; and<\/li>\n\n\n\n<li>Meet deadlines and submit all paperwork correctly.<\/li>\n<\/ul>\n\n\n\n<p>They act as a buffer so you can focus on healing while they work to protect your rights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pursuing Subrogation or Filing a Lawsuit<\/h3>\n\n\n\n<p>If your insurance company has not initiated subrogation or the process stalls, a lawyer can take legal steps to push the matter forward. These legal steps may involve further negotiations, filing a third-party claim against the at-fault driver\u2019s insurer, or initiating a lawsuit against the responsible party if other methods fail.<\/p>\n\n\n\n<p>An <a href=\"\/about\/\">experienced attorney<\/a> can help hold the insurance company accountable and help ensure your claim is handled correctly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Helping You Understand Policy Language<\/h3>\n\n\n\n<p>Insurance policies are full of fine print and confusing language. An attorney will review your coverage and explain your options, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether your policy requires you to pay a deductible upfront;<\/li>\n\n\n\n<li>If you\u2019re entitled to deductible reimbursement; and<\/li>\n\n\n\n<li>How your collision, liability, or uninsured motorist coverage applies.<\/li>\n<\/ul>\n\n\n\n<p>This knowledge empowers you to make informed decisions and avoid getting taken advantage of.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Don\u2019t Let Insurance Confusion Cost You<\/h2>\n\n\n\n<p>Dealing with insurance companies after a car accident can be overwhelming, especially when you\u2019re wondering if you have to pay a deductible if someone hits you or if you get your deductible back if you\u2019re not at fault. <\/p>\n\n\n\n<p>Between dense policy language, shifting blame, and delays in reimbursement, many people end up paying out of pocket for an accident that wasn\u2019t their fault.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get in Contact With a New Jersey Car Accident Lawyer Today<\/h2>\n\n\n\n<p>At <a href=\"\/\">Glugeth &amp; Pierguidi, P.C.<\/a>, we help New Jersey car accident victims cut through the confusion and get the compensation they deserve. With decades of courtroom experience and a track record of recovering millions on behalf of our clients, we know how to deal with insurance companies that try to avoid responsibility. <\/p>\n\n\n\n<p>Unlike firms that pass you off to a junior associate, our founding attorneys\u2014Jared Glugeth and David Pierguidi\u2014work directly with every client. You\u2019ll always have an experienced advocate by your side.<\/p>\n\n\n\n<p>Whether you need help recovering your deductible or pursuing a personal injury claim, we\u2019re here to fight for you. We understand New Jersey\u2019s complex insurance laws and know how to hold insurers accountable.<\/p>\n\n\n\n<p><a href=\"\/contact\/\">Contact Glugeth &amp; Pierguidi, P.C.<\/a>, today for a free consultation. There\u2019s no cost to speak with us. And, we don\u2019t charge any legal fees unless we win your case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New Jersey Car Accident Deductible FAQs<\/h2>\n\n\n\n<style>\n.faq-wrapper {\n  border: 2px solid #1e1e1e;\n  border-radius: 10px;\n  padding: 24px;\n  background: #ffffff;\n  margin: 2em auto;\n  max-width: 1000px;\n}\n\n.faq-container {\n  font-family: Arial, sans-serif;\n}\n\n.faq-item {\n  border: 1px solid #ddd;\n  border-radius: 8px;\n  margin-bottom: 12px;\n  overflow: hidden;\n}\n\n.faq-question {\n  background: #f7f7f7;\n  padding: 16px;\n  cursor: pointer;\n  font-weight: bold;\n  color: #1e1e1e;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n}\n\n.faq-answer {\n  display: none;\n  padding: 16px;\n  background: #ffffff;\n  color: #222;\n  line-height: 1.6;\n}\n\n.arrow {\n  transition: transform 0.3s ease;\n}\n\n.arrow.open {\n  transform: rotate(90deg);\n}\n\n.faq-cta-box {\n  border: 2px solid #1e1e1e;\n  border-radius: 10px;\n  padding: 20px;\n  margin-top: 30px;\n  text-align: center;\n  background: #fdfdfd;\n}\n\n.faq-cta-box a {\n  display: inline-block;\n  margin: 10px;\n  padding: 12px 22px;\n  background: #1e1e1e;\n  color: #ffffff !important;\n  text-decoration: none;\n  border-radius: 6px;\n  font-weight: bold;\n}\n<\/style>\n\n<div class=\"faq-wrapper\">\n<div class=\"faq-container\">\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nWhat is a car insurance deductible?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nA deductible is the amount you must pay out of pocket before your insurance coverage kicks in. For example, if your car sustains $5,000 in damage and your collision deductible is $500, you pay the first $500 and your insurer covers the remaining $4,500. Deductibles apply to collision coverage, comprehensive coverage, and personal injury protection (PIP) in New Jersey.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nWho pays the deductible in a car accident in New Jersey?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nIt depends on fault and which insurance policy is being used. If you were at fault and filing under your own collision coverage, you pay your deductible. If someone else caused the accident, you may still need to pay the deductible upfront when filing through your own insurer \u2014 but you may be able to get it back through a process called subrogation if the at-fault driver&#8217;s insurer accepts liability.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nDo I have to pay a deductible if someone else hit me?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nPossibly, yes \u2014 at least initially. Even if you were not at fault, New Jersey&#8217;s no-fault insurance system means your own insurance typically pays your medical bills and vehicle repair costs first. If you file under your collision coverage, you will likely need to pay your deductible upfront. However, if fault is clearly established, you may be reimbursed through subrogation.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nCan I get my deductible back if I was not at fault?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nYes, potentially. If the other driver was at fault, your insurance company may pursue the at-fault driver&#8217;s insurer through subrogation to recover what it paid \u2014 including your deductible. If the subrogation claim is successful and the at-fault driver&#8217;s insurer accepts liability, you should be reimbursed for the deductible you paid out of pocket. The timeline for reimbursement can vary.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nWhat is subrogation and how does it relate to my deductible?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nSubrogation is a process where your insurance company \u2014 after paying your claim \u2014 seeks repayment from the at-fault driver&#8217;s insurer. This repayment typically includes the deductible you paid. If your insurer successfully recovers the money, they pass your deductible back to you. An attorney can help make sure this process moves forward and that you are not left paying for someone else&#8217;s mistake.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nWhat types of deductibles apply after a car accident in New Jersey?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nThree types of deductibles may be relevant after a car accident in New Jersey. A collision deductible applies when your vehicle is damaged in an accident regardless of fault. A comprehensive deductible applies to non-collision damage such as theft or weather. A PIP (Personal Injury Protection) deductible applies to your medical expenses under New Jersey&#8217;s no-fault insurance system.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nDoes New Jersey&#8217;s no-fault insurance system affect who pays the deductible?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nYes. Under New Jersey&#8217;s no-fault system, your own PIP coverage pays for your medical expenses after an accident regardless of who caused it, and your deductible applies to those costs upfront. This means even if another driver was entirely responsible, you may still need to pay your deductible first and seek reimbursement afterward through subrogation or a third-party claim.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nWhat damages can I recover beyond just the deductible after a car accident?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nIn addition to recovering your deductible, you may be entitled to compensation for medical expenses, lost wages, loss of future earning capacity, property damage, pain and suffering, emotional distress, and reduced quality of life. An attorney will calculate the full scope of your damages \u2014 including future medical needs \u2014 to ensure nothing is left on the table.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nShould I speak with the insurance company on my own after an accident?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nIt is generally not advisable to handle insurance communications on your own. Insurance adjusters work for the company, not for you, and statements made early in the process can be used to minimize or deny your claim. An attorney can handle all communications on your behalf, push back against lowball offers, and ensure deadlines and paperwork are handled correctly.\n<\/div>\n<\/div>\n\n<div class=\"faq-item\">\n<div class=\"faq-question\">\nHow can a New Jersey car accident lawyer help me recover my deductible?\n<span class=\"arrow\">&#9654;<\/span>\n<\/div>\n<div class=\"faq-answer\">\nAn experienced New Jersey car accident lawyer can investigate fault, gather evidence to support your claim, pursue subrogation on your behalf, and negotiate with insurance companies to ensure you are fully reimbursed. At Glugeth &#038; Pierguidi, P.C., we work directly with every client \u2014 with no upfront fees and no legal costs unless we win your case.\n<\/div>\n<\/div>\n\n<div class=\"faq-cta-box\">\n<a href=\"\/contact\/\">Get a Free Consultation<\/a>\n<a href=\"tel:2016995070\">Call Now: (201) 699-5070<\/a>\n<\/div>\n\n<\/div>\n<\/div>\n\n<script>\ndocument.querySelectorAll('.faq-question').forEach(item => {\n  item.addEventListener('click', () => {\n    const answer = item.nextElementSibling;\n    const arrow = item.querySelector('.arrow');\n\n    if (answer.style.display === \"block\") {\n      answer.style.display = \"none\";\n      arrow.classList.remove('open');\n    } else {\n      answer.style.display = \"block\";\n      arrow.classList.add('open');\n    }\n  });\n});\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Wondering Who Pays the Deductible After a NJ Car Accident? When you\u2019re in a crash, the question of who pays the deductible can feel like another punch you didn\u2019t need. If not, you may owe nothing\u2014though it may take time for your insurer to recover the cost if they already paid for your repairs. Schedule Your Free Consultation Free consultations \u2022 Available 24\/7 Getting into a car accident is stressful enough, but figuring out who pays the deductible in a car accident can add even more confusion to an already overwhelming situation. Whether you were hit by another driver or involved in a multi-car collision, questions about insurance coverage and out-of-pocket expenses are likely at the top of your mind. Many drivers assume that the at-fault party will cover everything, but that\u2019s not always how it works in New Jersey. This article will walk you through everything you need to know about deductibles after an accident: Do I have to pay a deductible if someone hit me? Do I get my deductible back if I\u2019m not at fault? And most importantly, how can a New Jersey car accident lawyer help me navigate the process? At Glugeth &amp; Pierguidi, P.C., we help accident victims across New Jersey recover the compensation they deserve. We know how insurance companies operate and how to push back when they try to underpay claims or unfairly stick you with the bill. Understanding What a Deductible is in New Jersey? A deductible is the amount of money you must pay out of pocket before your auto insurance coverage kicks in to cover a claim. It\u2019s essentially your share of the risk in the insurance contract. When you purchase an auto insurance policy, you agree to pay a certain deductible amount for each type of coverage, such as collision, comprehensive, or personal injury protection (PIP). For example, if your policy has a $500 collision deductible and your vehicle sustains $5,000 in damage from an accident, you would pay the first $500. Your insurance company would cover the remaining $4,500. Deductibles can vary based on the coverage type: Choosing a higher deductible typically lowers your monthly insurance premium. A lower deductible means you\u2019ll pay less if you ever need to file a claim, but your monthly payments will likely be higher. Who Pays the Deductible in a Car Accident in New Jersey? In New Jersey, the answer depends largely on who was at fault, what type of insurance coverage you carry, and whether you\u2019re making a claim through your insurance or the other driver\u2019s. Let\u2019s break it down. If You Were at Fault If you were at fault for the accident and using your collision coverage to repair your car, you will almost always be responsible for paying your deductible. Your insurer pays the rest of the repair bill after the deductible is met. If the Other Driver Was at Fault If someone else caused the accident and you\u2019re filing a claim through your own insurance, you may still have to pay the deductible up front. However, your insurer may attempt to recover that money from the at-fault driver\u2019s insurance through a process called subrogation. If successful, they may reimburse you for the deductible. Do You Pay a Deductible If Not at Fault in New Jersey? It might seem unfair, but you may still have to pay a deductible even if you weren\u2019t at fault for a car accident.&nbsp; New Jersey\u2019s no-fault insurance system requires drivers to carry personal injury protection (PIP) coverage. Under this system, your insurance pays for your medical expenses after an accident, regardless of who caused it. With this system, you pay your deductible upfront. The same applies to vehicle damage. If you use your collision coverage to repair your car, you\u2019ll likely have to pay your deductible first and then seek reimbursement later if the other driver was at fault. Paying the deductible can feel like salt in the wound if you\u2019re not at fault. Fortunately, with legal help, you may be able to recover that cost through subrogation. An experienced New Jersey car accident lawyer can help ensure you don\u2019t foot the bill for someone else\u2019s mistake. Do You Get Your Deductible Back If You\u2019re Not at Fault in New Jersey? If you had to pay a deductible after a car accident that wasn\u2019t your fault, you may be able to get that money back. This process is called subrogation. Subrogation is when your insurance company pays for your damages and then pursues repayment from the at-fault driver\u2019s insurance company. This repayment includes the deductible you paid out-of-pocket. For example, let\u2019s say you were rear-ended and your insurance covered the cost of repairs under your collision policy. You paid a $1,000 deductible. If the other driver was clearly at fault, your insurance company may file a subrogation claim with that driver\u2019s insurer to recover the total amount they paid and your $1,000. If the subrogation is successful and the at-fault driver\u2019s insurance accepts liability, you\u2019ll typically be reimbursed for your deductible. However, the timeline for reimbursement can vary.&nbsp;&nbsp; How a New Jersey Car Accident Lawyer Can Help Paying a deductible or getting reimbursed for it can be frustrating, especially if the accident wasn\u2019t your fault. A New Jersey car accident lawyer can help protect your rights, deal with insurers, and fight for you to recover every dollar you\u2019re owed. Here\u2019s how they can assist. Investigating Fault and Gathering Evidence Fault must be established to determine who pays the deductible in an accident. An experienced lawyer can thoroughly investigate and build a strong case on your behalf. This investigation may include: The stronger the evidence of the other driver\u2019s fault, the more likely your insurance company or theirs will reimburse your deductible. Calculating Full Damages Insurance companies often focus on immediate medical bills and car repairs, but a skilled attorney looks beyond the surface. Damages may include: Calculating damages also involves timing. Your attorney will likely advise waiting until you reach maximum medical improvement&#8230; <\/p>","protected":false},"author":2,"featured_media":1537,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_ai_research_index":"1","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.<\/title>\n<meta name=\"description\" content=\"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.njnylawyers.com\/zh\/blog\/car-accident-deductible-responsibility\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.\" \/>\n<meta property=\"og:description\" content=\"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.njnylawyers.com\/zh\/blog\/car-accident-deductible-responsibility\/\" \/>\n<meta property=\"og:site_name\" content=\"Glugeth &amp; Pierguidi, P.C.\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-18T21:16:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-05T20:26:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png\" \/>\n\t<meta property=\"og:image:width\" content=\"768\" \/>\n\t<meta property=\"og:image:height\" content=\"510\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"jdxbasedev\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@reporting@jurisdigital.com\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jdxbasedev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/\"},\"author\":{\"name\":\"jdxbasedev\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#\\\/schema\\\/person\\\/24720536103477697e37a1b38f063627\"},\"headline\":\"Who Pays the Deductible in a New Jersey Car Accident?\",\"datePublished\":\"2025-07-18T21:16:56+00:00\",\"dateModified\":\"2026-05-05T20:26:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/\"},\"wordCount\":2377,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.njnylawyers.com\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Screen-Shot-2025-07-18-at-2.13.25-PM.png\",\"articleSection\":[\"Car Accidents\"],\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/\",\"url\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/\",\"name\":\"Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.njnylawyers.com\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Screen-Shot-2025-07-18-at-2.13.25-PM.png\",\"datePublished\":\"2025-07-18T21:16:56+00:00\",\"dateModified\":\"2026-05-05T20:26:07+00:00\",\"description\":\"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#breadcrumb\"},\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.njnylawyers.com\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Screen-Shot-2025-07-18-at-2.13.25-PM.png\",\"contentUrl\":\"https:\\\/\\\/www.njnylawyers.com\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/Screen-Shot-2025-07-18-at-2.13.25-PM.png\",\"width\":768,\"height\":510},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/blog\\\/car-accident-deductible-responsibility\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.njnylawyers.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Who Pays the Deductible in a New Jersey Car Accident?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#website\",\"url\":\"https:\\\/\\\/www.njnylawyers.com\\\/\",\"name\":\"Glugeth & Pierguidi, P.C.\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.njnylawyers.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-Hans\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#organization\",\"name\":\"Glugeth & Pierguidi, P.C.\",\"url\":\"https:\\\/\\\/www.njnylawyers.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/njnylawyers.wpengine.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/img_header_logo.png\",\"contentUrl\":\"https:\\\/\\\/njnylawyers.wpengine.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/img_header_logo.png\",\"width\":426,\"height\":107,\"caption\":\"Glugeth & Pierguidi, P.C.\"},\"image\":{\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.njnylawyers.com\\\/#\\\/schema\\\/person\\\/24720536103477697e37a1b38f063627\",\"name\":\"jdxbasedev\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g\",\"caption\":\"jdxbasedev\"},\"sameAs\":[\"http:\\\/\\\/njnylawyers.wpengine.com\",\"https:\\\/\\\/x.com\\\/reporting@jurisdigital.com\",\"jdxbasedev\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.","description":"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.njnylawyers.com\/zh\/blog\/car-accident-deductible-responsibility\/","og_locale":"zh_CN","og_type":"article","og_title":"Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.","og_description":"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.","og_url":"https:\/\/www.njnylawyers.com\/zh\/blog\/car-accident-deductible-responsibility\/","og_site_name":"Glugeth &amp; Pierguidi, P.C.","article_published_time":"2025-07-18T21:16:56+00:00","article_modified_time":"2026-05-05T20:26:07+00:00","og_image":[{"width":768,"height":510,"url":"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png","type":"image\/png"}],"author":"jdxbasedev","twitter_card":"summary_large_image","twitter_creator":"@reporting@jurisdigital.com","twitter_misc":{"Written by":"jdxbasedev","Est. reading time":"11 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#article","isPartOf":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/"},"author":{"name":"jdxbasedev","@id":"https:\/\/www.njnylawyers.com\/#\/schema\/person\/24720536103477697e37a1b38f063627"},"headline":"Who Pays the Deductible in a New Jersey Car Accident?","datePublished":"2025-07-18T21:16:56+00:00","dateModified":"2026-05-05T20:26:07+00:00","mainEntityOfPage":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/"},"wordCount":2377,"commentCount":0,"publisher":{"@id":"https:\/\/www.njnylawyers.com\/#organization"},"image":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#primaryimage"},"thumbnailUrl":"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png","articleSection":["Car Accidents"],"inLanguage":"zh-Hans","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/","url":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/","name":"Who Pays the Deductible in a New Jersey Car Accident? - Glugeth &amp; Pierguidi, P.C.","isPartOf":{"@id":"https:\/\/www.njnylawyers.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#primaryimage"},"image":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#primaryimage"},"thumbnailUrl":"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png","datePublished":"2025-07-18T21:16:56+00:00","dateModified":"2026-05-05T20:26:07+00:00","description":"Confused about who pays the deductible after a car accident in New Jersey? Learn your rights, how reimbursement works, and how a lawyer can help.","breadcrumb":{"@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/"]}]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#primaryimage","url":"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png","contentUrl":"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/07\/Screen-Shot-2025-07-18-at-2.13.25-PM.png","width":768,"height":510},{"@type":"BreadcrumbList","@id":"https:\/\/www.njnylawyers.com\/blog\/car-accident-deductible-responsibility\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.njnylawyers.com\/"},{"@type":"ListItem","position":2,"name":"Who Pays the Deductible in a New Jersey Car Accident?"}]},{"@type":"WebSite","@id":"https:\/\/www.njnylawyers.com\/#website","url":"https:\/\/www.njnylawyers.com\/","name":"Glugeth &amp; Pierguidi, P.C.","description":"","publisher":{"@id":"https:\/\/www.njnylawyers.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.njnylawyers.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":"Organization","@id":"https:\/\/www.njnylawyers.com\/#organization","name":"Glugeth &amp; Pierguidi, P.C.","url":"https:\/\/www.njnylawyers.com\/","logo":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/www.njnylawyers.com\/#\/schema\/logo\/image\/","url":"https:\/\/njnylawyers.wpengine.com\/wp-content\/uploads\/2022\/11\/img_header_logo.png","contentUrl":"https:\/\/njnylawyers.wpengine.com\/wp-content\/uploads\/2022\/11\/img_header_logo.png","width":426,"height":107,"caption":"Glugeth & Pierguidi, P.C."},"image":{"@id":"https:\/\/www.njnylawyers.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.njnylawyers.com\/#\/schema\/person\/24720536103477697e37a1b38f063627","name":"jdxbasedev","image":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/secure.gravatar.com\/avatar\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/78ca6fbe5602f84fb07bfa79dd9c1210008e501743afcbb5b0c624d07743e6e8?s=96&d=mm&r=g","caption":"jdxbasedev"},"sameAs":["http:\/\/njnylawyers.wpengine.com","https:\/\/x.com\/reporting@jurisdigital.com","jdxbasedev"]}]}},"_links":{"self":[{"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/posts\/1536","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/comments?post=1536"}],"version-history":[{"count":0,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/posts\/1536\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/media\/1537"}],"wp:attachment":[{"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/media?parent=1536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/categories?post=1536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.njnylawyers.com\/zh\/wp-json\/wp\/v2\/tags?post=1536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}