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It is more reasonable to buy a new car, instead of repairing this one. Unfortunately, because you were not driving the car, the insurance company won't help you in any case unless you don't have full coverage insurance. Still, it is much better to contact an insurance agent to answer any of your asked questions. Try to get in touch with someone from https://www.moneyexpert.com/car-insurance/any-driver-car-insurance/. When I had some problems with my car insurance, they helped me a lot.
 
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