Do the insured have to pay a deductible if they have an accident?

Yes. For physical damage to the insureds vehicle in an accident and for total theft.
PREFFERED 2% for Collision with a minimum of $200 for auto/minivan and $500 for pick up/ SUVs/Vans and $1,000 FOR RVs/MTHs 5% for Total Theft with a minimum of $500 for auto/minivan and $1,000 for pick up/ SUVs/Vans and $2,000 FOR RVs/MTHs Travel Club for Medical Expenses while outside of the vehicle $200 per accident Liability, Medical Payments, Travel and Legal Assistance coverage do not have a deductible.
PREMIUM $500 Fixed for Collision $1,000 Fixed for Total Theft Liability, Medical Payments, Travel and Legal Assistance coverage do not have a deductible. Travel Club for Medical Expenses while outside of the vehicle $200 per accident.