How Does A Deductible Work In Auto Insurance? 
With most insurance policies you have a deductible and car insurance is no exception . The way the deductible works is you would receive payment for the damages less your deductible . You do not have to pay thedeductible to theinsurance company . For example , if you ran into the back of someone and the damage to your car was $ 2,500 you would receive a check -LRB- or the repair shop -RRB- for $ 2,500 - deductible . You would then pay the repair shop the difference . A Standard deductible for car insurance is $ 500 but some people choose a lower deductible for comprehensive coveragewhich covers , cracked windshields and other damages not attributed to a collision accident . 