A deductible is the amount of money shown on your policy for which you are financially responsible when you incur a collision or comprehensive loss. Other circumstances may affect the applicability of a deductible.
When you pick up your repaired vehicle, you pay your deductible amount directly to the repair facility. If a settlement payment is being made directly to you, we will subtract your deductible from that amount.
If the other driver was at fault and we have pursued a subrogation claim against that driver, we will reimburse you for your deductible once we have collected it. (Subrogation describes the process we undergo when we attempt to recover from the at-fault party any monies paid out by us for damage to an insured vehicle.) For example, if you paid your deductible to a repair facility, we will reimburse you once we collect from the party who was at fault or from his or her insurer. This process can often take some time if the other party or carrier does not respond promptly to our requests for payment.