I learned the hard way. I thought I was covered and financially protected from bad guys. Not quite true.
I came out of a store, loaded with groceries, only to find that someone had damaged my car. There was no note, and no culprit in site. A hit-and-run. My insurance agent said No problem–it’s covered and, since it wasn’t my fault, I wouldn’t have to pay the deductible. He was wrong.
Apparently, because there wasn’t any other person to blame it on, the insurance company had no other person or insurance company to go after to pay for the damage. Since my company had to pay, they charged me the deductible (which is pretty hefty). And this practice is true throughout the insurance industry.
Not your fault, but you have to pay. Be warned.