Originally Posted by owen996

you can use collision coverage whether you are at fault or not. The deductible will apply if you are found at fault, it won't be applied if you are not at fault. In a hit and run, the deductible will apply, if you knew the person who did it, they would just subrogate against their insurance policy obviously. Same with a comprehensive claim. If you know who vandalized your car, your insurance company will waive the deductable and get the money back from that person.