[Brando]

So, a quick update to this dramedy.

Looks like my policy is pretty darn explicit. My deductible is only waived when liability is on the other party's fault when involved with 1 or more other automobiles, not cyclists. Even though CA law dictates that cyclists have to follow the same rules & regulations as automobiles insurance carriers can craft their policies in a fashion to include/exclude damages from pedestrians and/or cyclists.

So asking my adjuster point blank: "How do we make this right? I shouldn't have to pay for another person's negligence." The answers were...

1. Contact Mr. Cyclist and ask them to reimburse my deductible.
2. Pursue in small claims court.

The first option I worry might incite vindication on Mr. Cyclist's part. I believe my insurance has presented some sort of waiver of liability or intent to not seek damages against my policy, but I don't know. The second option seems better and would really show what type of integrity that person has.

Thoughts from the brain trust?