This morning on the way to work my car slid on an icy exit ramp and I hit the concrete barrier. I'm ok, but my car was not driveable. I will find out Monday how bad the damage is.

My insurance deductible is $1000. I was going to change it when I renewed my policy a few months ago but just forgot about, which was pretty damn stupid on my part.

So, what happens if I can't pay it? I really hate to go post on r/assistance and beg for money, but I don't have any options for borrowing that I can think of off-hand.

If my car is fixable, I assume I can try asking the repair shop if I can make payments on the deductible? If the car is totaled, if I understand correctly, Geico will pay the value of the car (it's being financed) minus the deductible. Could I still pay the rest of it like I'm making payments? Or sell the car for scrap and use that to pay the deductible?

I have no idea which way the repairs will go. The most major damage was the right front of the car. The tired was rubbing against the wheel well, but the fact it was the back of the well and not the front makes me thing maybe the frame was bent, which means it's probably totalled.

Either way, I'm screwed. If it's totalled, I won't have a trade in or down payment for a new car.
user
I need to know how to go about paying for my deductible if I can't pay
assistant
This morning on the way to work my car slid on an icy exit ramp and I hit the concrete barrier. I'm ok, but my car was not driveable. I will find out Monday how bad the damage is.

My insurance deductible is $1000. I was going to change it when I renewed my policy a few months ago but just forgot about, which was pretty damn stupid on my part.

So, what happens if I can't pay it? I really hate to go post on r/assistance and beg for money, but I don't have any options for borrowing that I can think of off-hand.

If my car is fixable, I assume I can try asking the repair shop if I can make payments on the deductible? If the car is totaled, if I understand correctly, Geico will pay the value of the car (it's being financed) minus the deductible. Could I still pay the rest of it like I'm making payments? Or sell the car for scrap and use that to pay the deductible?

I have no idea which way the repairs will go. The most major damage was the right front of the car. The tired was rubbing against the wheel well, but the fact it was the back of the well and not the front makes me thing maybe the frame was bent, which means it's probably totalled.

Either way, I'm screwed. If it's totalled, I won't have a trade in or down payment for a new car.
user
I'm screwed if I can't pay my deductible. What are my options?
assistant