re: Accident with a car with no headlights - whose at fault?

quote:

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so youll initially be responsible for your deductible BUT it will be fully refunded to you

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That's only true if you file with your own insurance company and they pay to fix your car and once final investigation is done, its determined that the other party was fully liable and their insurance reimburses your insurance for what they paid you...subrogation.

But if their insurance doesn't reimburse your insurance company, you don't get your deductible back