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Will I lose my insurance deductible?

If you use your own insurance company, you will be out your deductible until your insurance company is able to recover that amount from the other insurance company.  In situations where the property damage aspect of your case is not resolved amicably through the insurance companies, your attorney may be able to include your deductible in the overall damages related to your case.  Thus, it is important for you to mention your deductible costs to your lawyer. It may not be your biggest expense after an accident, but it should be considered when negotiating a car accident settlement with the insurance company.