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Once you decided to not go through insurance and not file a police report, you left yourself open for paying for your own repairs. Sorry you learned such a hard lesson. Never have an accident and not get a police report. The insurance company is not going to pay out based on someone's word. A police report is needed to file a claim.

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Q: Someone hit my car we decide not to go through insurance He didn't pay So I went through insurance He now told his insurance company someone hit him And they will not pay out to fix my car?
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