|
The subrogation answer is completely correct. AAA will attempt to recover from the liable party's insurer their repair costs and your deductible. To the extent they are successful, you are (in other words, if they recover 100% of their repair costs, they'll get 100% of your deductible which will be reimbursed to you). Assuming no dispute between insurers about fault (and they all use the same "fault chart" so unless there's a dispute about facts, there shouldn't be an issue), you'll get your money when they get theirs.
As for the second, that is the right calculation, but presumably if you insure the replacement vehicle through AAA, that should adjust it back in your favour.
|