If your insured vehicle sustains physical damage as a result of a collision with another car or fixed object or your vehicle sustains damage related to some type of covered comprehensive peril (fire, theft, malicious mischief, vandalism, windstorm, hail, etc) your auto policy declaration pages will indicate the applicable deductible. It’s always important to double check the accuracy of your policy information with your insurance company before and after a loss. Your deductible is due when you pick up the vehicle after repairs are complete. Look for a body shop that offers financing for deductibles if you don't want to pay this out of pocket.