A collision deductible waiver keeps you from paying your deductible in the event of an accident when an uninsured driver is at fault. However, the auto collision insurance waiver of deductible applies in certain scenarios. The waiver does not apply if no one is at fault, if the accident is a hit-and-run, or if there’s only one car involved in the crash. While a collision deductible waiver is nice to have, drivers shouldn’t get too comfortable with this type of coverage. It only comes into play if the at-fault driver is uninsured, which isn’t always the case.