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What company do you have? It seems shady they would suggest only going through her insurance. What they should have said is if you don't want to pay your deductible you should go through her insurance which may take a lot longer. If you go through your insurance you will pay your deductible and when they get the money from hers, the reimburse you the deductible.
You pay them to take care of things like this for you. I definitely don't want to haggle with insurance companies and will gladly take the temporary loss of deductible to avoid it.
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