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After i call insurance company again this morning, i got something clearly:
1. If it is not my responsable in car accident, my insurance wont be increase next year.But this "at fault or not " is based on the insurance com not the police.
2. If you want garranty to get a new car in car accident, you need buy a specified item of insurance, but your car should be grand new with in 12 month.
3. If the car were damaged more than 80% actual value, they will pay you a same condition car before accident.'
Hope this experience could share with friends. |
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