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scenario 2 - there is no deductible that applies if you're at fault and liability needs to cover property damage. the repercussions occur later - when your premium goes up bc of surcharges.Originally Posted by Poise3
If the car/car owner are insured, then there should be no problem covering damages.
Scenerio 2: Liability- the property damage is covered, minus the deductable; the car damage is not covered