If you cause an accident which type of insurance will require you to pay the least out f pocket

I believe the answer is: high deductible plan

In high deductible plan, the insurance payer is usually subjected to a lower rate of premium. This type of plan usually suitable people who had large enough saving and exposed to a higher risk of fulfilling clauses mentioned in the contract, since they basically have to pay more during the time of service before their health insurance begins to pay.

what does that even mean though? i've never got taught this before luck dude.