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You are driving and you run over and destroy my carved tree bears costing $2,900.00. What part of my car insurance will cover this?

That must have been a mess of metal and wood chips.

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The driver's liability insurance would pay, under the property-damage portion. You'd make a claim against the driver's policy, just like you would if he had hit your car.

Last updated: Jan. 18, 2013
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