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You should double check on that. I get that the insurance is finally covering you, BUT does that mean with or without your $500 deductible contribution. If they cover and say "but you were at fault" then you are in for a rate hike.exactly what it did this year.
Not saying that is the case, but similar to if you rear ended someone in traffic. Yes they would pay, but it would be reported as a surchargeable offense and will be an increase.
Not being a downer, but you may want to confirm that.