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I have to pay automobile damages to my car because I am to be at fault and I don't have first-party insurance to make claim for compensation against my own insurance company
here first-party insurance claim means covers the losses of the person named on the policy.
I am deemed to be at fault so I am responsible for the accident, so I don't have the right to demand compensation on the other driver.
if I have first-party insurance then I would have made claim for compensation against my own insurance company.
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