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I only asked about his insurance from a bad experience.
Years back I got hit by insured driver and the scoot was banged up pretty bad ,I was ok. No police report of accident, bad choice. His insurer says tough luck our client is not at fault unless I have a report that says otherwise.
Driver says sue me figuring I wouldn't waist my money and time over a 1000.00 scooter.
In the end he was right. Too expensive to pursue.
I guess my question should have been is there a police report.
Hope it works out for you.
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