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Some policies allow the policyholder to participate in the profits of the insurance company these are with-profits policies. Other policies have no rights to participate in the profits of the company, these are non-profit policies.

Another party was responsible for the accident, but his or her company will not arrange for my car’s repair. If the other party is responsible for your damages, you are entitled to be made whole. That is, if your car can be repaired, your damages are the difference between its market value just before the accident and its market value just after. Often this difference is the actual cost of the repairs, but not always.



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