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Just to clarify, the liability insurance on your policy will pay for the damage to the other car if it was your daughters fault. The collision coverage will pay for the damage to your car, less the deductible. Your daughter's statement to the insurance company will help to establish fault. I'd probably want to be present when she gives the statement. Most auto insurance policies have a dollar limit on damages that will increase rates for a period of time. In other words, if the total damages are less than a specific amount rates don't go up.
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