If your policy includes a deductible, you pay it following the accident. When the at-fault party pays your insurance company, it can include the amount of the deductible, which your insurance company can then reimburse you. You may choose to wait for the at-fault party to pay the deductible directly. This option takes time. You should discuss the advantages and disadvantages of each method with an experienced car accident lawyer at the Coye Law Firm before making a decision.