It depends. If the other driver is found responsible for the accident, you can file a claim with their insurance company to cover your repairs, meaning you won’t have to pay your deductible. You can also choose to file a claim through your insurer with your collision protection coverage. However, you’ll likely have to pay a deductible if you choose this route. Additionally, if you get into an accident with an uninsured or underinsured driver and they’re at fault, you may still have to pay a deductible with your uninsured/underinsured motorist coverage.