Assuming you are in the U.S.
If it costs $1000 to repair the damage and the deductable of your collision coverage is also $1000, your insurance will not pay you anything.
On the other hand, if it costs $1000 to repair the damage and the deductable of your collision coverage is $600, your insurance will pay you $400 but your insurance is likely to increase in the future.
If it costs $1000 to repair the damage and the deductable of your collision coverage is also $1000, your insurance will not pay you anything.
On the other hand, if it costs $1000 to repair the damage and the deductable of your collision coverage is $600, your insurance will pay you $400 but your insurance is likely to increase in the future.
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