Car Rental fee/ Insurance coverage/Refundable? Please help!?

My car got hit at the beginning of the month. I filed a claim with the woman's insurance but a week later they told me that they were "investigating whether or not they were covering her on the date of the accident". So since I am insured against the uninsured I am getting my car fixed under my insurance. Now what my insurance told me is that since the accident is not my fault I just have to pay my deductible once my car is fixed and they will pay the rest (without my premium going up). Then they will collect from the woman herself (or her insurance if it turns out she was covered). Also I got a car rental under my insurance where I pay 20% of the fee out of pocket. My insurance said that once she paid up I would get my deductible back, but the 20% I pay for the car rental is non refundable. I don't think this is right. She should be responsible for the rental bill to, right? Once they bill her and she pays, I think I should get that money back too. Am I right in thinking this?