How Does A Deductible Work For Auto Insurance? 
A deductible for auto insurance typically only for collision and other than collision -LRB- comprehensive -RRB- coverages . When you have a claim on your collision or other than collision coverage your deductible is your portion of the claim amount . In other words your deductible is the amount of money that you will pay out of your pocket toward the total claim amount . If you have a five hundred dollar deductible and the claim is for one thousand dollars then the carrier will only pay five dollars of the claim amount . 