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Almost certainly not. You are in no way At Fault, so you should not have to pay for someone else's mistake. Contact your own insurance comany and ask them to discuss the matter with their insurance company.

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Q: If a car hits your parked car do you have to accept what their insurance appraiser offers you in payment to repair your car even if it is not enough?
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Can a mortgage company legally refuse to accept a good-faith payment on a delinquent account due to disability?

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