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Update: just heard back from the insurance the adjuster came out and said that the car is very repairable that there is no damage to the mechanical part of the car, we are sending it to the dealer to see what they say now. More bad news is that she has a 10k limit for collision so if my car repairs are going to be more than. 10k my dads insurance is going to have to come into play but apperently I was not a listed driver under his insurance so they are making a big deal out of that. I was under the impression that car insurance follows the car not the driver is this correct?
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