Auto Insurance Claims: confuessed policy holder HELPPPPP!!!!, deductible question

Question
Do I have to pay a deductiable in a hit & run on my car when I have full coverage? (I still owe $4,000/ 05' chevy cavalier 4dr LS sport very clean ,80,000 miles hit in parking lot/ $4,200 worth of damages I,m still dealing with adjuster it's been 6 months he started at $3,100 and he's gone down seens then $2,850 then $2,700 been with company for 8 yrs. always pay on time .If you have any other advice at all that would be great too. Thank you for taking the time to read this.

Answer
Joni,

  If you file with your own insurance, you will have to pay a deductible.  On the upside, there is likely an appraisal clause in your policy that would allow you to effectively argue the value of your damages.  I hope this helps!  Information is always free at Petty Details, LLC!

Sincerely,

JP