Would the insurance company pay the total cost of repairs in case of own damage claims?

No, the insurance company does not pay the repair costs fully. A compulsory deductible is deducted from the claim amount. Moreover, the depreciation suffered by the car’s parts would also be reduced from the claim amount and the remaining amount would be paid as claim. However, if you buy a zero-depreciation add-on, the depreciation cost is not deducted from the claim amount. In that case, the company pays a higher claim after deducting only the compulsory deductible.