If you have a car insurance policy with a deductible, that means that you will be responsible for paying the first $500 (or whatever your deductible amount is) of any repair bills after an accident. Your insurance company will then cover the remaining costs.
Some people choose to have a higher deductible in order to keep their monthly premiums low. However, this means that they are taking on more financial risk in the event of an accident.
If you do end up having to pay your deductible after an accident, it is important to shop around for repairs. You should get multiple estimates and make sure that the repairs are being done properly. If you have any questions or concerns, be sure to ask your insurance agent or adjuster.