When my last car was t-boned (with Mrs. Scotch at the helm), the other driver's insurance paid (no deductible). But like I said, it was a high-mileage car, so it cost some to replace it. However, the Mrs. also scraped a curb with her new Outback, causing a bubble in the sidewall, which required all 4 tires to be replaced. That's where the deductible makes it impractical to file a claim.I was referring to auto. In Canada they don't charge you the deductible if it was the other drivers fault. But a $1K deductable is a big chunk of change.