Who contacts the insurance?

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neighbor scratched car, , denying though saw him , alarm went off.
contacted pd , made incident report. contacted insurance , told if damage less 1,400 premium not go up. insurance pay , told insurance have contact insurance then. true have contact insurance or insurance have it?

my neighbor scratched car, , denying though saw him , alarm went off. contacted pd , made incident report. contacted insurance , told if damage less 1,400 premium not go up. insurance pay , told by...


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