Do You Pay a Deductible When You Weren't at Fault?

I recently had my car hit in a residential parking lot, and naturally the other driver was at fault. I wasn't even in the car at the time, I was in my apartment at 3 AM. Well, I thought my insurance would simply cover it, but after calling them I found out that they still want me to pay a $200 deductible, even though it wasn't my fault!

They said that they MIGHT be able get my deductible back, after I decide whether or not I want to file the claim, but they won't offer me any guarantees. This seems like a huge risk, and not worth it to fix a dent in my car. My mom tells me this isn't normal, and that I shouldn't have to pay out of pocket if I'm not at fault.

Is this normal? Has anyone had their insurance company tell them their policy is similar? It seems outrageous to me, and my mom thinks I should leave my insurance company.

Should I sell my car?

I recently moved in with my fiancé and no longer have a garage to park my car. it's a pain in the ass to constantly keep track of where I parked my car and manage when to move it so that I don't get 1 million tickets. should I do?

Looking for New Car

I want to buy a new car but can't decide which of the following brands to pick. Help!

Driverless Car

I have been wondering about the “driverless” car and how it can work in busy cities or narrow roads where one driver or the other must give way to the opposing driver. Each of us while driving make decisions technically violate the road driving laws (e.g., crossing over a yellow line to pull around a double-parked vehicle). Rhetorically I wonder: How can driverless cars work around such conundrums that require human judgment? Would driverless car companies program the software to violate the law?

My question for you: would you ride in a driverless car?

Choosing a Car

I have had my car for 15 years and think it is time that I get a new car, but I don’t know what to get. My car for the past 15 years is a Jeep Cherokee, which can seat up to 5 people, including the driver. It would be fun to have a 2-seater sports car. I occasionally have had more than one passenger, but not often.