People don't usually survive those types of wounds... unless it is a miracle and misses every artery, wind pipe, and you somehow fight the extreme pain and bleeding out. So I'd safely say yes if a bolt went through your throat.
Is it technically legal RP-wise for an RPer to specify where the bolt hits (say a deflected bolt) if they didn't actually specify where it's aimed and/or if the character have no control where it goes. Wouldn't it be up to the user actually getting hit in that case?
Normally yes but if said user goes over the 48 our pvp limit then it's an auto hit and they decide what happens. If anything you're lucky it was a disable-aimed and not "You die instantly head shot"