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If I am rear ended, whose insurance pays and how much?

You would make a claim against the policy of the person who rear-ended you. Their insurance company should pay you for your repairs and a rental car for the time your car is in the shop. I assume there were no injuries?

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Alternately, if you have collision insurance you could use that for your repairs, but you’ll have to pay your collision deductible.

I’d do the claim against the at-fault driver.

Last updated: Jun. 29, 2013
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