Charles asks…why should my insurance pay me for my totalled car if other driver was at fault? they won't pay for loaner.?can i contact other driver's insurance and ask for offer from them, including, totalled car, loaner, time and trouble? I'm afraid I'm getting screwed by my insurance co.admin answers:If you are not at fault for the accident: your insurance company can pay you for the damage to your car under your Collision coverage. Your company will then Subrogate (go back against the
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