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Your insurance company will either have an adjuster inspect your car and give you a repair estimate, or it will ask you to get estimates from mechanics and auto body shops. Insurance companies will pay for repairs or replacement only up to the car’s actual cash value.
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This get-out-of-jail-free card is offered by some auto insurers. With some companies, you’re only eligible after you’ve been accident-free for a number of years. If your insurance has this. don’t i.
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