, you are responsible for your portion or deductible.
The only time you wouldn’t be responsible for it is if you were not at fault for the damage. If you get into an accident and another driver is liable for the damage, your insurance typically won’t require you to pay your deductible or your insurance will reimburse you. However, if you caused the accident or damaged your vehicle, you’d have to pay your deductible.
If you can’t afford your current deductible, the best thing to do is lower it. Most insurance companies offer a variety of options for both comprehensive and collision deductibles. While your premium may be more expensive, you wouldn’t have to pay as much when submitting a claim.
You can look at the cost of your premium with your current insurance company and also shop around. By using the
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.