If you're in a car accident caused by someone else who also has insurance, which type of insurance plan will not require you to pay out of pocket costs?
a.) high deductible plan
b.) low deductible plan
c.) either a or b
d.) neither a or b

The answer is D. A or B
Under obamacre rules, all plan actually have out of pocket cost. But, you still has the chance to suppress the cost by using out of pocket limit.
Without of pocket limit, insurance holder could control the risk by putting a cap limit on how much they wanted to spend in the insurance

If you cause a car accident, Low deductible plan of insurance will require you to pay the least out of pocket. but If you're in a car accident caused by someone else who also has insurance, either a.) High deductible plan or b.) Low deductible plan will not require you to pay out of pocket costs.

If somebody hits your vehicle and damages it, you'd be creating a claim against their liability coverage and there wouldn't be a deductible due for either you or the opposite driver. If the insurance company finds their coated driver utterly guilty your vehicle is repaired at no price to you.