Ask for a certificate that states your deductible is XXX amount.

My current insurance with MAPFRE states that my deductible is 10k but I asked for a certification that my participation is only 3k, when I made a claim, I had to present the certification, otherwise, what's stated in your policy will be the amount you have to pay.

Do not believe what other people say, ask for a document. It will make your life easy.