THE SNUGBUS EXPRESS

What are you talking about? That is the first thing I do...

my insurance company isn't responsible for the damage and/or injury when the other driver is at fault, so the first thing I do is contact the responsible party's insurance and let them know that they are going to be paying to fix my car or otherwise make me whole. The only time I would even get my insurance company involved would be if the responsible party's insurance gave me any trouble or if the responsible party didn't actually have insurance-and I need to use my uninsured motorist coverage on my policy...

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