my car got hit and i was not at fault. i have comprehensive insurance and here are my questions:
1. do i need to pay the deductible? i know i don't need to coz i'm not the one at fault but i just want to be sure.
2. do i have the right to demand that i want a certain body shop fix my car or am i limited to the body shop that is accredited by the insurance?
3. if i can choose the body shop i want, does the insurance company have the right to refuse it should the body shop i want is more expensive than the one they accredited? or will the insurance company just allow me to have it fix at the shop i wanted, even if it's more expensive, and they will just be the one to negotiate with the shop?
4. what if the one hit me don't have insurance, it's the insurance company's responsibility to go after him right? and i don't need to wait if the other party will pay up or not right? in short, it's their problem?
thanks for any info.