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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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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