Any time there's a claim which will be paid by the Insurance co, a deductible is paid by the insured.
If you hit a parked car, the deductible applies to your vehicle, not the parked car. The other vehicle is covered by your liability coverage and there is no deductible attached. You pay the deductible on the repairs to your vehicle, usually to the shop after the work is completed, the insurance company handles the balance directly.
no
The one backing out, because you should realize someone is opening a door.
If your vehicle was parked you should not need to pay ANY deductible. If you were not found resonsible for the collision your expenses should be entirely paid by the at-fault driver. If necessary, you may need to take the other driver to small claims court.
This would be dependent on the insurance you have. If you know who hit your car and have all of the pertinent information, you probably should not have to pay the deductible. If you don't know who hit your car, and your state and/or you do not have waiver of deductible insurance, then you would have to pay the deductible.
Most times the answer is no. Go to parking lot and there should be signs posted that they are NOT responsible for any vandalisim to your car while it is parked there. If there ARE NO signs, your in luck, and might be able to recover deductible.
The person who is backing out
the car backing up
The car in motion is ALWAYS at fault when it hits a stationary vehicle.
It is the fault of the person backing out. You have the right-of-way if you are driving in a usual and safe manor. The person who hit you should be cited for "backing without caution".
Of course it is your fault. The fact that the car was illegally parked is of no consequence. You didn't look where you were backing or you would not have hit the parked car. Would you have hit this car if you had been looking? Perhaps the illegally parked car is a Mini Cooper, parked illegally 1 foot behind a Hummer and therefore not visable when the driver looks before backing up...
The driver of the backing vehicle. The fact that the car was parked illegally is irrelevant. The onus is always on the driver of a moving vehicle to ensure the way is clear before backing up.