My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?
I was parked in a parking lot and my car was hit while parked. Why can we be held liable, can I sue if marked as at fault?
Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately.
If you're using uninsured motorist coverage for this claim, you could be responsible for your deductible; but depending on the circumstances, this could be reimbursed back to you.
If you have any questions, feel free to ask.