If you go through your insurance company you'll have to pay your deductible. But, your insurance company will attempt to recover their payment to you plus your deductible from the other insurance carrier. The process is known as subrogation. If they are successful they will return your deductible to you. It could take some time.
I would think that the photos of your vehicle should show the other vehicle initiating the scrap and the indentation progressing toward the rear of your vehicle assuming you were indeed stopped. The other company is assigning some comparative fault to you, they should be willing to tell you why they tagged you with 20 percent fault.
FYI, to retain an attorney may cost you one third of any recovery.
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