My brother got in a car wreck,the other car at fault.Anyways their insurance will cover everything.Let's say there is a dispute over who should pay an medical bill,the insurance company doesn't want pay something,you don't have to pay either and it won't show up in your credit report,no medical bills do.But I wouldn't settle the injury until 6 months to a year.Just in case your really hurt and you just don't know it yet.One more thing if you really are hurt it;s best to get a lawyer with medical problems.
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