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(The police officer determined it was her fault, though he didn't give her a ticket.) Our car had minor bumper damage, but the other car didn't get off so easy and had to be towed. My question for you is: Would it be better for us (in terms of limiting how much the premiums will increase) if we don't make a claim on our own car, and just buy and replace the bumper ourselves?

Who is paying for the repairs to the other car ?
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