Your agent will help you choose a deductible amount that works with your budget. In general, choosing a higher deductible reduces your auto insurance premiums.
If your vehicle is damaged in an accident for which you are at fault, you pay your deductible before your insurance coverage kicks in. If the other driver is found to be at fault and they are properly insured, their liability insurance policy pays for your damages and you are not responsible for paying your deductible.