Deductible

For a zero dollar deductible, you'd have to find a specific company that offers it. Consider, however, that your premium and deductible are inversely related.

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.

In a case where you are considered at-fault in an accident, in Virginia, your deductible should only apply if your vehicle was damaged and you want it repaired by your insurance company. The only other time you should be subject to a deductible in Virginia would be if you are filing an uninsured motorist property damage claim.

Yes, because you own your home and your car, you would be filing 2 different claims. The liability coverage on your car does not extend to cover damage you cause to your own property.