If you file a claim with your insurance company

A Nevin ahem., Narine fib lac If you file a claim with your insurance company for damage to your vehicle, you will have to pay the amount of the deductible to repair your automobile. Keep in mind that you will have to pay this deductible any time you file a claim with your insurance company - even if you are not at fault for the damage.
Other Optional Coverages You also may be able to choose other optional coverages. Some of the common optional coverages are described below. Ask your insurance company or agent about what coverages you may want or need.

Rental reimbursement pays a limited amount for daily rental car charges while your car is being repaired for covered damages. Policies usually limit the dollar amount and the number of days covered. In some states rental car coverage would fall under your comprehensive and collision coverage; however, there are variations in how this coverage applies. If you want to know what your auto policy will cover when you rent a car, ask your agent.
Towing coverage (also could be called Roadside Assistance) reimburses you for your costs if your car is disabled. For example, the coverage might pay if you have your car towed to a service facility or you lock your keys in the car.

Guaranteed Asset Protection (GAP) insurance (sometimes called loan/ lease coverage or debt cancellation) may help pay off what you owe if you owe more on your car than it is worth. It would provide protection whether the accident is your fault or someone else's. This protection can be purchased from a lender, your car dealer or an insurance company or agent. Contact one of these entities if you want to know more about this coverage.