On Tues, I got hit hard by a young driver. Totalled out my car. My insurance company offered me the book value for the car, which I'm ok with. But.. they are subtracting off my deductible of $500, and charging me to transfer a plate (To what vehicle, I do not know) I plan on filing a Mini-Torte claim against the other driver for the $500 deductible cost. Is it standard Practice for an insurance carrier to do this? Shouldn't I get the full amount for the vehicle, not vehicle price Minus $500? Would the Mini-torte claim close any further actions? (My back and arm are dorked up from the wreck - but cant get into the doc until Tuesday) Any positive advice is appreciated.