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Who Pays for the Damage to my Car, and for a Rental, after an Accident in Kentucky?

Who Pays for the Damage to my Car, and for a Rental, after an Accident in Kentucky?

the car, for the rental, for the cell phone that was ruined in the accident?  The short answer is that the insurance for the person who caused the accident should pay for all of those things, but the long answer of course is that nothing is that easy.  Some of the issues involved in that discussion are condition of the car, total loss vs. repair, coverage available, and rental coverage.  

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