Trust me, I worked in insurance for 5 years. The company determines fault - not the police report. Unless a driver is cited for a violation in regard to the incident, the report means nothing to the insurer when it comes to their determination of fault. I can't tell you the number of people who'd come or call "but the police report says the other person was...", Doesn't matter - the companies decided differently, now pay up.

If it's on a public roadway, a police report is usually a legal requirement - but it's not going to help with the insurance side. On private property, like a parking lot, cops won't do a report at all 99% of the time because they have no jurisdiction.

Police reports mean absolutely nothing when it comes to the insurer.

>Collision coverage is available regardless of who's at fault

Yes, assuming OP carries that coverage.

>Deductible is due regardless of who's at fault too.

Only if OP uses their own policy to cover the repairs. There's no deductible if you use the at-fault party's policy.

Mules can reproduce - it's just extremely uncommon (only 60 cases recorded in the last 500 years). But, that being said, the other responses re: the genetic component fill you in on why that's the case.

https://www.npr.org/2007/07/26/12260255/befuddling-birth-the-case-of-the-mules-foal