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+If the accident was the opposite driver's fault, and this fault is accepted by the third party's insurer, then the automobile proprietor might be able to reclaim the excess payment from the other person's insurance company. If one's automobile is asserted to be a " write off " (or " totaled "),  [lawyers in my area](https://git.alexhill.org/rafaeledgar49) then the insurance company will deduct the excess agreed on the coverage from the settlement cost it makes to the proprietor. Some automotive insurance coverage don't differentiate in regard to how a lot the automotive is used.
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