Say that I am towing my friend's new travel trailer with my pickup and hit a low hanging tree limb and destroy the trailer's electric awning. Whose insurance pays, minus the deductible, of course. ...
The trailer insurance (Progressive) wrote a check for $1,100 and I negotiated a new awning installed for $1,300. Even though her deductible is $500, we each will only be out $100. My truck insurance was not even mentioned in the settlement.