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You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.

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Q: If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
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