Out of interest...
Did this fall under collision or comprehensive, e.g. a deer is comprehensive?
Did the insurance say it was your "fault" b/c you were not in control of your vehicle, e.g. same as if you rear end another car?
When you say "fault" is that b/c your insurance paid and you paid a deductible or b/c the insurance company considers it a "chargeable" accident meaning you exceed the payout threshold and therefore your insurance counted it against you.
Either way couldn't you sue the person to recover damages?
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