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I don't believe it matters if you have no insurance?
Correct me if I'm wrong, but the party at fault is going to be liable for the damages and as long as the kid has full coverage, his insurance should be paying for the entire thing.
I've never dealt with this myself, but don't they just send an adjuster out to look at your car, and cut you a check? Or don't you just provide them with an estimate of the damages and they cut you a check?
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