Different policy terms will influence how your comprehensive coverage pays for your damage costs:
Most comprehensive coverage pays you for the cost of vehicle damage minus the cost of the policy deductible. Damage costs that are less than the value of your deductible, however, will not have coverage.
If your car is totaled, most comprehensive policies settle with you based on the car’s actual cash value (ACV). The ACV is the depreciated value of a vehicle at the time damage occurs. The deductible will still apply.
Some policies pay the totaled car’s replacement cost value (RCV), which pays a settlement that more closely reflects the like-new value of the vehicle. The deductible will still apply to the claim, however.