If the accident was not your fault, you can either contact the other driver ' s insurance company or have your insurance company contact them to handle the repairs to your vehicle, or if necessary replace your vehicle.
If you use the other driver ' s insurance company, you will not have to file a claim on your policy and pay any of your deductible to have your vehicle repaired.
Do not relieve the responsible insurance company of its responsibility until all of the damages are settled to your satisfaction. If necessary have your insurance company handle your claim if the other party ' s insurance company questions who was at fault or offers an unacceptable settlement.
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