<p>If someone dings your car door, the best way to respond is calmly and politely. Explain that you just bought the car and it's not yet fully insured, and ask them to please be careful. If they offer to pay for the damage, accept their offer and thank them. If they don't offer to pay for the damage, you can either call the police or try to contact the driver's insurance company.</p>

<p>If you are not at fault for an accident, your insurance company will typically pay the deductible. However, if the other driver is at fault, their insurance company will be responsible for the costs. In some cases, the other driver's insurance company may try to pursue you for reimbursement, but your insurance company should be able to help you protect yourself from any legal action.</p>

Deductibles