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Whose auto insurance is to pay?

Asked by marialisa (464points) May 13th, 2010

If someone gets in an auto accident with someone else’s car, whose insurance is notified?
Mother and daughter have auto insurance together. Daughter lets her boyfriend drive and he rear ends a car and does very little damage (broken tail light) to other car. He has his own insurance for his vehicle. Which insurance do you call? No accident report was done by police. This was in Minnesota, whose insurance pays the damage?

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