Her insurance company is responsible to reimburse you for your $1000 deductible.
It was her fault. USAA is a great insurance company as long as I’ve had them (35-yrs).
USAA pays then goes after the one at fault. . .to recover the amount of the damage they paid under your policy.
I suggest you call USAA and ask how you can recover the deductable (small claims court would be one option). Other than that, it is your deductable to cover.
Lou.......had a similar experience several years ago. Other driver was not insured. My insurance paid for my repairs minus $250.00 deductible. My insurance sued other driver and won. Sent me my $250.00 which I never expected to receive.
Yes. They will try and get the deductible back through sunrise. Don’t count on it though. I was toned by a lady who blew through a red light. Her insurance company just absolutely refused to pay. I could have gone to small claims but I didn’t want the hassle
You have the other company pay for your damages. Not USAA. That is almost the same as admitting fault. Call the other insurance company and file a claim. That was what you should have done before you called yours.
I have been an insurance agent for over 25 years.
And what did your insurance company say? In most states whoever hit the other car from behind is automatically at fault.
Generally speaking, at least in my state, the first person listed at the top of a police accident report, is the person the officer believes is at fault.
If your insurance carrier, USAA paid the claim under your collision coverage, you will have to pay the $1,000 deduc. However, USAA should subrogate the claim against the other parties insurance carrier, and if they recover, they should refund the $1,000 dudct. you paid. Good luck, some times it can be a long drawn out process.