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If one's automotive is asserted to be a " write off " (or " totaled "), then the insurance coverage company will deduct the surplus agreed on the coverage from the settlement fee it makes to the proprietor. Some automobile insurance policy do not differentiate in regard to how much the car is used. If the accident was the opposite driver's fault, and this fault is accepted by the third occasion's insurer, then the car proprietor could possibly reclaim the surplus cost from the other particular person's insurance coverage company.
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