yes
Yes!
Your car is going to be totaled out.
I think that the person that hit you should have to pay because he hit you <> A deductable is used in the event that YOU are at fault. or it is an act that cannot be placed on another person. I.E.: natural event, Hit and run, or something like that. You should get an attorney, If you get the slightest bit of static from your insurance. You need to be compensated for ALL damages, PLUS! The depreciated value of the car due to the accident. EVERY car lot in the USA will deduct value for A car that has had paint work. There is no reason you should pay that average of $1000.00 loss.
Was the car totaled? Are we talking about diminished value? Has the owner of the bus company admitted fault? Has the owner of the truck admitted fault? Is there collision insurance on the car? If we are talking about a diminished value claim you have at best a 50/50 chance of getting additional compensation beyond the cost of repairs. If the car was totaled then some companies offer full replacement on new cars. It
Have your car repaired through your Insurance Company on your policy. It is then their task to obtain the costs from the person that hit you.
The one responsible for that is the person who own the car that hits your car.
Who actually gets sued is up to the person that got hit, but ideally the person who hit your car first and not you.
The other person pays.
Yes
The person who hit the car, if "at fault" would be responsible. If the person driving your car was the one at fault, then it would be your insurance that would have to cover it.
Get a new car. == If someone hit your car you will be paid the actual cash value of the car. If you totaled the car and had collision coverage you will be paid actual cash value, too.
Simply, call the police!