<prompt> Human: Ive been reading rinsurance for a few months now and theres a very common theme in the posts.Person gets hit by someone. Person has issues with the other guys insurance or other guy lacks sufficient insurance or is dodgy. Person is told to file with his own carrier. Person says I cant afford the deductible. If you cant afford the deductible its too high. You can lower it and raise your rates or save it and have it in your emergency fund. If and when your insurance company recovers money from other guy you can get the deductible back, but it might be 3 months or 12 months or never.Id actually recommend folks here subscribe to that sub for a month and read the stories. Having knowledge of how the process works is enlightening.Ill add a few more: I have an old car so I only have 20k in coverage - what happens if you hit a new F150 or new anything? You will get sued. I have a bunch of custom shocks and new tires on the car - you probably wont get much extra, if anything for this I have a paid off 2003 Ford Focus and insurance only offered me 1500 for it. I cant buy a new car for 1500 - yep. It sucks but thats how it works.  <response>: If you cant afford to pay your car insurance deductible or your any insurance deductible it isnt because the deductible is too high, its because you arent setting aside enough money for things of that nature.You dont get to just buy insurance and then spend like your deductible is 0 and your deductible is actually 1000. You have to have that 1000 ready in case you need to use it for your deductible.Save more. 