16. In August 2017, Andy was rear - Ended while Stopped for a red light . Thankfully, Andy was uninjured . However , his car was damaged . The driver who caused the accident left the SCENE immediately, So Andy was forced to use his insurance to repair the damage to his car . AS a result , Andy was subject to the $ 1, 00d deductible provision in the policy , which he paid with respect to his car repairs in 201 ] . The Clark's claimed no deductions with respect to the accident on their 2017 income tax return . In 2018, the insurance Company ( PeregrinE Casualty ; located the driver at fault and recovered the amount paid for repairs by both Andy and PeregrinE . Consequently, in