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Depending on the facts of the loss, there may be shared responsibility.</p>","category":"general","question":"How is fault determined?"},{"answer":"<p>If ‍another ​person ‍is ​found ‍to ​be ‍at ​fault ‍for ‍the ​accident, ​we'll ​work ​with ‍you ​to ‍make ​sure ​either ​they ​or ​their ‍insurance ‍company ‍pays ​for ​your ‍damages ‍and ​losses ​and ‍recover ​any ‍money ​you ‍may ​have ​paid ‍toward ​your ​deductible ‍or ‍repairs. ​We ​can't ‍promise ​that ‍we'll ‍always ​be ‍able ​to ‍recover ​your ‍deductible ​from ‍the ‍other ​insurance ​company ​or ​driver, ‍but ​we'll ‍do ​our ​best ​to ​make ​it ‍happen. ‍If ‍there ​is ​shared ‍responsibility, ‍the ​amount ​you ‍receive ​back ‍may ​be ‍prorated.</p>","category":"general","question":"Who pays my deductible if I'm not at fault?"},{"answer":"<p>The decision to repair is yours—and it’s OK to not repair your vehicle.</p><p>If you don’t own your vehicle, check with your lienholder or leasing company before making a decision. 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