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What is my insurance company's responsibility?

I was riding my bicycle and was hit by a car. The driver's insurance is coming after me to pay for damages to the car.

My insurance company says they won't pay it, I have to. What is my car insurance company's responsibility to me?

Must they defend me in this case?


Well, what is their position regarding why they will not defend you?

Did they say there was no coverage for premium issues? What exclusions?

We cannot really help you without more information.

Please see our section on how to read the insurance policy here.

Good Luck

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