<prompt> Human: Hello all, first time posting and I would appreciate any assistance. I got into a minor collision last night and my car and this Camry contacted as he was speeding up while I was turning right. He sends me this estimate. Album has before and day after pictures of the damaged area. This estimate is far higher than I expected and I feel I may have to challenge this. I would be grateful for any help.Assistant: Hello all, first time posting and I would appreciate any assistance. Sure thing! I got into a minor collision last night and my car and this Camry contacted as he was speeding up while I was turning right. ...so you hit him. Who was at fault? If you were turning right and he was passing on the right, it may well be on him, not you. He sends me this estimate. Album has before and day after pictures of the damaged area. This estimate is far higher than I expected and I feel I may have to challenge this. I would be grateful for any help.Body work is pants-shittingly expensive. This is why people carry insurance that covers damage to other vehicles. Your liability insurance should cover this. The estimate is well within the bounds of reason.Human: Thanks for the fast replies and the welcome.I hit him but it is questionable due to him speeding up as I changed lanes. We didnt file a police report as I believed this couldve been done outside of insurance. My deductible is 500 so I think Ill just submit it then. I appreciate the comments.Assistant: Its a liability claim for you. You wont owe a deductible at all. Let your insurance company figure out what the hell happened; you may get out of this unscathed.Human: Is this standard for most insurances? I feel bad for not knowing thisAssistant: Yup. Common misconception-- deductibles apply only to comprehensive collision claims to repair your vehicle, not the other partys.Human: I see, so if I wanted to repair my car, the cost has to be over my deductible?  <response>: If its his fault, his insurance pays and your deductible is irrelevant. If youre at fault, you pay your deductible first then insurance kicks in. But to file a claim you need a police report, generally. Its likely too late if you dont have one. Fortunately this is minor in the scheme of car repairs, so its not a huge thing to sweat 