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It really depends what state you live in. Although if you have full coverage on your vehicle you should report through your company and your company will go after the other insurance company to get their money back. If you have no collision coverage for your vehicle then you will need to file with the other insurance company and they will decide who was At Fault for the accident, if their insured is at fault they will repair your vehicle

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Q: If someone with auto insurance hits your car do you still need to report to your own auto insurance?
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