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What will this wreck cost me? 700

What happened in the accident was that I was driving straight down the street and the lady pulled in front of me without looking. I swerved to avoid a t-bone and the result was me hitting her car up by the engine. The officer said that it was her fault because I had the right of way and she pulled in front of me. I don't know totally how the insurance deal works, as I have never had to deal with it before. Do they automatically cover all of it even it the damage is more than buying a new car would cost?






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