Depends on the state you are in. In most cases if you have no collision coverage you collect no dammages from a collision... In MI at least , with only liability , if someone else hits you and you catch them , a section of your coverage called " mini-tort liability" will automatically pay you up to $500. Your ins co will pay you and they will go after the others ins co to recover. As far as what your ins provider told you , that is BS! There is NO deductable on liabitlity ins as it does NOT pay for physical dammage to your vehicle and therefore is a mute point.Physical dammage to a vehicle is only paid for by "collision" , "comprehensive" or the formentioned "mini-tort" coverage. And you can't claim mini tort if both vehicles were owned , liscensed and insured (same company) by the same person. I think your ins co and you have a misunderstanding somewhere because they can't be that stupid.
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