My vehicle was hit while parked in a parking spot the person who hit it is 100% at fault but only has $5000 insurance coverage? The damages to my vehicle total up to $6100. The police report shows that they are 100% at fault for the accident. But since they only have $5000 coverage their Insurance company said to go through my insurance my question is will I be charged my $500 deductible and then take the full hit of $6100 for the repairs to my policy? Or will my insurance go after their insurance collect the $5000 and cover the difference? Will my insurance payment go up as a result of this? What is the best route to take in this situation?