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Some car insurance coverage don't differentiate in regard to how a lot the automobile is used. If the accident was the other driver's fault, and this fault is accepted by the third get together's insurer, then the vehicle proprietor might be able to reclaim the excess cost from the opposite particular person's insurance firm. If one's automobile is asserted to be a " write off " (or " totaled "), then the insurance coverage company will deduct the excess agreed on the coverage from the settlement payment it makes to the owner.

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