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Aweful! Sorry to hear it. I hope they find her as well. Of course, they know where she lives and will probably say that she was not the one driving the car at the time. Hopefully she's got some good damage as well and will have to explain it off.
Here in Michigan, there are no-fault laws. So, if you are 50% at fault or less, the deductible is waived. Also, some insurance companies will waive the deductible if you were hit by a driver insured by the same company.
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