DO I HAVE TO PAY A DEDUCTIBLE?
Simply put, the amount of deductible that you will be responsible for is determined by your insurance policy.
If you carry standard collision, you will have to pay your deductible regardless of whether you were at fault, or not. If you carry broad collision, and you were not at fault, your insurance company most likely will waive your deductible.
Insurance companies determine fault by your account of the accident when you make the claim, and by reviewing the accident report filed with the police department. If you aren't sure about your deductible, you can call your advisor and they can tell you whether your insurance company has waived your deductible or whether you will be responsible to pay this when you pick up your vehicle.