Hurray for worthless drivers!

[dbetterred]

Another possibility, is because it was a hit and run ( and the police report says so, right?). There may not be a deductible, some policies waive the deductible for hit and runs. It's worth asking at least.

[nipper]

True, in certain instances, about the hit and run deductibles, but only if you have comprehensive coverage on your vehicle.