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Dealing with the "other" insurance company offers no advantages - only disadvantages; your insurance company will likely, if not already, found out about it anyways.
Best thing to do is deal only with your insurance company - they will in turn determine / negotiate with the "other" insurance company the amount each will pay ...
And believe it or not, based on the damage you described, your insurance rate likely won't change much, if even at all.
Ron
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Domagon - Website Management and Domain Name Sales
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