If the accident was the opposite driver's fault, and this fault is accepted by the third occasion's insurer, then the car owner may be able to reclaim the surplus payment from the opposite individual's insurance firm. If one's automotive is declared to be a " write off " (or " totaled "), then the insurance company will deduct the excess agreed on the coverage from the settlement payment it makes to the owner. Some car insurance plans do not differentiate in regard to how a lot the automotive is used.

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