ANSWERS: 3
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almost none... but get a good attorney might help
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No matter what you decide, you will still be charged with an at-fault points on your drivers license and this eventually will give you higher insurance rates.
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this is a payday for the other driver. If you are found guilty, it will prove that you were careless, and the other driver wasn't at fault. If you have enough liability coverage, this won't affect you in any way, your insurer will have to pay, not you, but it will help the other drivers case if you are found guilty
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