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Can the Insurance Company Deduct for Things Like Unrepaired Damage or Rust?

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at 844SeeMike.
  • Over 20 years of experience in Personal Injury.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.
Whether it is against your own or another person’s insurer, insurance carriers may deduct an unlimited amount if your vehicle has old, undone collision damages. They may also deduct for missing parts, wear and tear, and rust amounting to $500. The insurance company, however, must specify all the said deductions.

If, however, your car is totaled in an accident, you may file a claim against the at-fault driver’s insurance provided you’re less than 50% at fault. Otherwise, you will only have coverage if you have physical damage/repair/replace coverage.

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