请教老猫, lexm5, 及诸位大侠：
前几天出了件交通事故，具体情况如下：
我开车approaching一个十字路口，当时路口有警察在作traffic control， 路的另一边有barricade to diverge the traffic. 我这一边没有控制. There are cars in front of me and behind me, all driving as normal traffic.
当时我是绿灯，当我开进十字路口时（南行），一辆车从东边越过警察开进路口（当时他是红灯），和我车撞上。 因为警察当时就在现场，所以马上给他开罚单，罚单是“fail to follow traffic control.”
我的车全部报废，我的保险公司赔了钱，但扣下了deductible, 说等从对方保险公司拿到钱以后才退给我。 因为责任完全是在对方，对方应该全赔。
可今天我保险公司告诉我，对方上法庭说“traffic control set up wrong and the cop gave him sign to enter the cross section even though he knew he was on red light. So he asked the court dismiss the ticket”， 而法庭把确实 throw out the ticket. 所以对方保险公司说他们没有责任，不负责赔偿我的损失。
听我保险公司口气，好像就这样完了。自己赔了我了事，当然我的deductible也拿不回来了。所以现在情况变成这样了：
1．这事故变成我自己的 claim。 It will stay on my record and I am sure it will impact my premium next year.
2．I lost my deductibles。
我总觉着这事不对，现在我的问题是：
Traffic violation is one thing; causing damage is another thing. Even though he has no traffic violation but still caused my damage. Can I sue him in smaller claim court to 1) get my deductible back, 2) let him pay the damage of increased premium for next year?
Thank you a lot.
