<prompt> Human: I filed a claim through my insurance but I have to wait until Monday or Tuesday to hear back from the adjuster. When I returned the loaner to the dealership and showed them the damage, they said I owe them my deductible which is 500 because Im responsible for the vehicle. I paid the money but looking back on it, dont I owe my insurance the deductible and not the dealership? Is there any way I can fight this or get reimbursed for it?  <response>: You wouldnt owe your insurance the deductible. What happens is that your insurance pays the repair bill minus whatever your deductible is. If the repair was 2000 and you had a 500 deductible, the insurance company would send the repair shop a cheque for 1500 and you would pay the other 500. The dealership will get paid for the repair minus the deductible, you paid the deductible so now the dealership will receive the full cost of the repair. 