Hi,
You can either go through your insurance, which may deny their claim since it is debatable whether you are actually at fault or not, OR you can do nothing and wait until 1) they sue you to collect the money (again, you have a very good argument with regard to denying liability) or 2) they decide to accept what you are offering them. Please click ACCEPT so I can get credit for helping you. We can continue our conversation after this at no additional charge. Thanks!
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