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I believe this based off my limited interactions with insurance companies. I was in a car crash that was 100% caused by the idiot who was fucking with their phone instead of looking at what they were crashing into. Their insurance company tried to stick me with months of rental fees from when my car was being repaired. I eventually filed a complaint with my state insurance commissioner and told their insurance company what's up, they got right on it after that. Literally, that same day they had multiple people contacting me to say we're all good now and apologizing about the misunderstanding.