回複：Don't be fool!

1, 你的全責，別想deductible waive。
You need to take Auto Insurance 101. Liability coverage pays the damages to other party’s car. Collision and comprehensive (anything other than collision) coverage pays damages to your car. Deductable only applies to comprehensive part of damage. In other words, you only need to pay deductable if insurance company needs to pay damages on your car. It has nothing to do with whose fault.
When accidents happen, there are following possibilities:
a) Somebody else is at fault. His/her insurance will pay you – Nothing to do with deductable;
b) Somebody else is at fault, but he/she does not have insurance (uninsured motorist). Your company will pay the bodily injury to you or occupants in your car through Uninsured Motorists coverage. There is no deductable in this part. Your insurance company will also have to pay the damage to your car through collision coverage. Deductable will apply to this part of claim. However, even though the uninsured motorist does not have auto insurance but he/she may have assets your insurance company can go after (the procedure is called subrogation) through court and does get the compensation, the deductable will be refund to you.
c) You are at fault. Your insurance pays the other part and no deductable. Your insurance pays your car and there is a deductable.
http://dmvanswers.com/questions/1676/How-does-a-car-insurance-deductible-work
http://en.wikipedia.org/wiki/Deductible
http://www.carinsurancerates.com/news/308-car-insurance-deductibles-explained.html

In this case, we are only talking about payment to damage of others car so there is no deductable. There is no ground to talk about waive.

2，small claim不是不算，跟你的安全駕駛記錄有關。如果你不久前有過claim，再小的金額也會算。反過來，如果你以前沒有claim，但之後在很短時間內再出一次車禍（這誰也無法保證），你的premium可能會漲得很離譜

Partially true. If you are a safe driver and rarely file claims, you will have some sort of forgiveness if you stay accident-free for some period of time, like 3 years. Of course if you get forgiveness once already, you need to stay accident-free for another 3 years to qualify for another one. If you are not a safe driver and have a lot of claims then of course your premium will be very high. But in this case, your insurance company may kick you out no matter how much you would like to pay. I am a safe driver and I believe most Chinese are safe drivers. My experience tells me it’s OK to file claims if you are a relatively safe driver. First, you get forgiveness. Even you do not qualify, you only get minimal raise in premium since they evaluate your risk in a long run. This is when loyalty discount comes into play.

3，保險不是我存進去多少就要拿出來多少，而是保證有重大事情發生的時候不至於嚴重影響你的生活。如果讓這種幾百刀的小事就影響你的記錄很不劃算

Again, if you a safe drive and rarely file claims, small claims will not affect your record much if you weight the benefit and compensation.

4，保險公司計算你的Premium不是單純看多少錢，而是風險。評估你這個人的風險從很多小事著手。

Yes, but depends on how much this will affect you. For example, if your credit is excellent with super high credit score, it does not matter much even it drops a little bit. It’s all about weight the benefit and loss.

Again, don’t call people fool when you don’t really know what you are talking about. Calling people fool does not make people fool. Making mistakes does not make people fool either. But if you don’t really know what are you’re talking about, you are wrong but insist you are right, and then you are.