First of all about being out of a deductable, the other ins. company should reimburse(sp?) you for that and second the ins company should not be able to hold the claim against you because there us no way being rear ended can be your fault, if you are not at fault the can't hold it against you. I reccomend getting to know a good body shop as soon as you buy your first good car and keeping the same shop as long as possible. If the body shop knows you are going to possibly be a return customer they will treat you ALOT better!!
