Without your own insurance company to use, you are on your own and the other company knows it. You would have to hire a lawyer to fight it. Would it be worth it? After paying the lawyer would you gain anything? BTW, Cops do not determine fault as to who pays to repair a car. Insurance companies do that. Cops determine fault for traffic violations. Of course if the cop gives the other guy a ticket, the insurance company will consider it but they don't HAVE to.
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