How Does A Deductible Work In Auto Insurance? 
A deductible is the amount of dollars that you are responsible for in the event of a claim . Of course , if there is another driver involved who is at fault and is insured , you will most likely pay nothing at all , depending on where you live . You can select the deductible on your vehicles , with lower deductibles costing more than higher deductibles . For example , if you have a $ 500 deductible on your car insurance collision benefit , and the damages are $ 4500 , you will have to pay $ 500 of that amount . In some scenarios , $ 500 is deducted from the check that is given to you from the insurer . The same concept applies to a comprehensive claim such as fire , vandalismor theft . When there is glass breakage , you may have no deductible . Also , generally , comprehensive deductibles are less than collision deductibles on most policies . A reputable national website or experienced broker can easily review your deductible options and quickly determine which amount is the most cost-effective . 