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You will need to make a report to both insurance companies. Even though you are not At Fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.

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Q: If you have basic insurance someone is faulted by hitting your car what should be done?
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