ANSWERS: 5
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yup u always have to pay a deductible even when it is not your fault and the other person has insurance as far as I know in my experience...you might also get the nice suprise of discovering your rate going up to EVEN THOUGH THE WRECK WAS NOT YOUR FAULT!!!! happened to me!
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Yes, then they will subrogate against the other company to get yours and their money back!!!
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Yup, I've lived through that myself before
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yes, thats why its called a DEDUCTIBLE
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Yes of course, your deductible must always be paid no matter who is at fault. And your insurance company will help to get the money back.
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