Partial debt – All-inclusive – Quota scheme

Hello, I have a question: The following situation: I have an accident. Partial debt (sag ma 50 %). I have a comprehensive, but with an SB of 700 euros. There are no further costs than the repair costs incurred. (loss of value ?! possible ?) If I do this now about the comprehensive insurance I pay the SB in the end ? Or not ? In the Inet you can find a lot about quota regulation, only that understands no normal person. I just want to know if I have the SB has to pay or not ? I don’t know if there’s still a difference between Austria and Germany. mfg