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I would think that insurance would cover it. I was in a fender bender this weekend, and the first question both insurance companies asked were "Was anyone in your car injured?" This leads me to believe that insurance would have something to do with it...unless they were just pretending to be nice.
Just call the insurance company. 9 times out of 10 they will give you a correct answer. If they say "No, we don't handle that." Ask them who does, and I'm sure they will know. Good luck. Let us know what happens.
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