to pay (someone) (something) out of (one’s) [own] pocket
Contexto
Even if you couldn’t have done anything to prevent the accident, you can still be considered legally responsible for expenses or loss of income they suffer as a result of it. Without home insurance, you will have to pay for this out of pocket. With home insurance—so long as the incident falls within the conditions of your policy—you can file a claim to help pay for the money you now owe.