re: State Farm claim - Need a little help

If it is the other person's fault they will pay under her liab. policy. There is no deductible on that. If they deny the claim because she denies hitting you and you can't prove it was her fault, they will pay under your collision policy minus your deductible. In such an event if you don't have collision you are screwed. It was nice of you not to call the police. Remember the Leo Durocher quote: "Nice guys finish last". If you were not injured they know the case is not big enough to get a lawyer involved and they will screw you around. Good luck.