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There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion.
You wonât have to pay the deductible. If you have no-fault insurance, however, your insurance company will pay for your repairs regardless of fault. Some states require drivers to carry no-fault insurance. All U.S. states require car owners to carry a minimum amount of liability insurance.f the accident was your fault, your collision insurance will pay for damages to your vehicle and your liability insurance will pay for damages to the other driverâs vehicle, up to the limits of your policy.