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It depends entirely on the damages to your car. If your insurance company finds the other driver At Fault, an adjuster will inspect your car or you will be instructed to visit a mechanic for an estimate. If you go through the other driver's insurance, you will be issued a check in the amount of the estimated repair cost. If you go through your own insurance, you will be covered for that amount, with the exception of the deductable, which you will pay.

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