Do I have to pay out of pocket when filing an insurance claim for my car?

[MacLiam]

Generally, it depends on whether the insurance coverage is sufficient. If it is enough, you don't need to pay out of pocket for vehicle repairs. If it's insufficient, you will need to cover the remaining amount for repairs. The specific circumstances are as follows: 1. If the other party is fully at fault: Regardless of whether you have insurance or not, you don't need to pay; the other party is responsible. 2. If you are partially at fault, check the assessed damage price: Within the insurance coverage limit, you don't need to pay. 3. If you are partially at fault, check the assessed damage price: If the cost exceeds the insurance coverage, you will need to pay the difference. Additionally, pay attention to whether the insurance policy includes a waiver of deductible clause, otherwise the insurance company might have a deductible amount.