BMW Lease Accident Not At Fault - Who to claim?

Well, I guess thing changed nowadays.

As I said, my experience was 20 years ago and I did not pay my deductible when it was determined that it was not my fault. Once I got the police report showing that the other drivers ran a red light and faxed it to Farmers, they just told me to bring it to the body shop and that’s it.

I DID have to pay the car rental cost and then submit for reimbursement.