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garrettj100 t1_jegnsqr wrote

You should explain that to OP's insurance company. I'm sure they'll be very receptive to that argument.

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Mayor__Defacto t1_jegxkew wrote

I know exactly what they’ll do if OP takes this offer. They will cover OP’s damages per their collision policy, and promptly tell OP that they will need to find a new insurer, because they will no longer do business with OP.

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