Posted on 7/1/2026
After an accident, one of the first questions drivers ask is, “How does my deductible affect my repair?” It is a fair question. Between the insurance claim, estimate, repair plan, and out-of-pocket cost, the process can feel confusing. At CARSTAR Robert’s Collision, we help Monterey drivers understand the collision repair process clearly. Your deductible may affect what you pay, but it does not change our commitment to proper repairs, clear communication, and restoring your vehicle with care. What Is an Insurance Deductible? An insurance deductible is the amount you are responsible for paying before your insurance coverage applies to a covered repair. For example, if your deductible is $500, that amount is usually your out-of-pocket portion of the claim. Your insurance company handles the covered repair costs beyond that amount, based on your policy and claim approval. Your deductible amount is set by your insurance policy, not by the repair shop ... read more