Doesn't she still have to pay a deductible? The Director likes to give the body and repair shop a test about ever 18 months or so.......we have more in body and fender work than we do the car......I would be rich if she didn't keep us in the insurance pool........Bill Estecorn's in Buechel sends her a fruit basket every Christmas.......something about her being a loyal customer......
Deductible should be paid by whomever is at fault, unless you're in Illinois or some such. There are states where just being there gives you some liability for the accident, making you pay a deductible regardless