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I had a car being hit not long ago, the fault on the other party, summon on him too. My car was towed by accident claim company. Then, I was busy myself, oversea and here for around few months. I was told the car was done, but was told to paid a thousand because my insurance was under insured. I thought, I was claiming the other guy, and I checked with my insurance company, my NCD was back to 0%. I request the insurance company to check it throughly, and they revert back the NCD. But, the...