Why on earth would you pass up on using your insurance over a $ 100 deductible ? You ' ve probably already spent more than $ 100 worth of time and hassle dealing with this on your own . Call State Farm back and tell them you pay for collision coverage and expect them to handle it . They ' ll pay to fix your car and if the other insurance company won ' t play ball , they ' ll sue on your behalf . If they recover anything , they ' ll eventually send you a check with your $ 100 deductible back . <| sep |> The academies are designed to unearth talent from nontraditional areas the NSWQLD teams have sunk money into developing kids who otherwise wouldn ' t be part of the AFL system , and in return they basically get first dibs at the product of those academies