Christye Chartoff

Question: Car Insurance and deductible payment?

My car window got smashed in and my windshield got cracked from vandalism. Nothing was stolen. I am taking my car in for inspection today. My question is, if my car deductible is $500, and if the resulting cost of the repair is less than the deductible, do I have to pay the deductible? It just doesn't seem correct to pay $250 each month, and then have to pay on top of that $500 for a repair that we could have saved up to pay for? Does anyone know if we have to pay the deductible if our repair cost is less than the deductible?

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