The law is that if you are in an accident you get a police report and send all the information to the insurance company. I’m not talking about kissing a bumper. When I owned a car I paid for full coverage . When I rent I pay for full coverage. Not because I lack confidence in my own driving ability, but because I don’t trust you. Seichel says to let the insurance companies work out the details. Auto body shops won’t wait for a B”D to decide things.
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