<prompt> Human: So I recently got into a car accident. I rear-ended a car and the person filed a claim with their insurance company. Thankfully, no one else was in my car and only one person in the car in the front and no one was hurt.Back when I was in college, I got a DUI so I have the SR-22 insurance. I was able to lower my monthly insurance payments by jacking up the deductible to 2500 and having my mom be in the same account as me. Luckily, the estimate came out below my deductible and as far as my understandings, I dont need to pay the deductible if the estimate is below it. I consulted my friends dad who works at the dealership and he said that I would still have to pay deductible to pay the damage done to the other car. I still dont get why he was saying that because I thought the insurance company takes care of the damage done and increases my premium but he kept telling me I still need to pay deductible. He was saying because the file is already claimed from the other party that I am responsible with the deductible.I am hoping I can repair my car without spending the deductible and sell it off for the amount owe on the car 5000. I am also scared because of my bad record, my insurance company will kick me out after this incident. Please let me know of anything that can help me out at this timeTldr: got in a car accident my fault and other party filed claim. My consultant said I need to pay the deductible because I need to pay off the damage done to the other car. This doesnt make sense to me as I thought the deductible applies to my car only. I am also worried I will get kicked out of my insurance company.Please redditors, advise on what I can do!Thank you  <response>: The deductible only applies if you use your collision coverage. Your carrier will pay for the other vehicles damages, up to your policy limits. 