Who Pays Insurance Deductible In Car Accident. A car insurance deductible is the amount of money you agree to pay out of pocket when you file an insurance claim. This payment might seem unfair if the crash was not your fault.
When, and if, the adjuster subrogates your deductible, he will return your deductible. However, there is a certain portion of the cost—called the deductible—that you're responsible for paying. A deductible is a specific amount you choose to pay for car damage before the insurer pays anything.