If physical damage is less than $700, why bother to claim? Too pay from you own pocket would be more in your interest.
-patpat(乃胡侃而已);
2002-2-11{109}(#365225@0)
The case scenario you gave might be possible, still, i don't think in a real world it's going to be a case.
That's right: Payment = Your Loss - Deductible x Your Fault%. And this fault% you have will be taken into account in renewal premium next year, i.e. 0% fault means 0% rate increase.
-patpat(乃胡侃而已);
2002-2-11(#365263@0)