My son asks what is a car insurance deductible

My son just asked me what is a car insurance deductible and why does someone have to pay it once they get into an accident.  To be honest I didn’t know what to tell him.  I am not exactly sure what a car insurance deductible is myself.  I have never been in an accident so I have never had to pay it.  I do know that if you raise the deductible you can get your monthly insurance payments to go down.

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