Insurance deductibles are the money paid first before any claim reimbursement is made. Our aircraft policy as of 5/1/2020 has a $2,500 in-motion accident deductible and a $500 not in-motion accident deductible. The renting pilot or their renter’s insurance is liable for this deductible, unless you’re a flying club member.
If the accident is ruled “pilot error”, then the insurance company may seek reimbursement from the pilot and these deductibles are not waived.
This exposure is why Leighnor Aircraft strongly recommends aviation renter’s insurance be carried by all pilots.