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+If the accident was the opposite driver's fault, and this fault is accepted by the third party's insurer, then the car proprietor could possibly reclaim the surplus payment from the other person's insurance firm. Some car insurance plans do not differentiate in regard to how a lot the automotive is used. If one's car is asserted to be a " write off " (or " totaled "), then the insurance company will deduct the surplus agreed on the policy from the settlement fee it makes to the owner.
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