Back in March I was involved in an auto accident. The at fault was determined at the scene but it was a six car pile up, therefore she did not have enough coverage as she totaled four separate cars including mine. My UIM kicked in, but I have a $300 deductible. I was told by my insurance company that I could call her insurance company and attempt to recover my deductible as the accident was determined to not be my fault. What are my chances and/or what should I say to her insurance company to recover my deductible. I would really rather avoid small claims court but will go that route if I have to.