I was involved in an accident this past Sunday where a lady pulled out of a side street onto my lane and panicked and stopped. I was able to swerve and avoid t-boning her driver's side door. I clipped her rear fender and damaged my vehicle. She admitted her fault, the police reported such, etc. I got an email from USAA, my insurance company, and they said the total repair bill is ~$5,500. The email also said they paid the auto repair company $4,500 as my deductible is $1,000. Is this SOP? The accident was the other party's fault. Should...