Insurance company: Admit fault, give a large estimate on the damaged on the car. (hopefully, that was on paper)
Insurance company, another agent: calls you up, asks for the medical bill, mumbles something about a separate check for the car damage (Car damage, thankfully is far more than the medical bill). Sends you the check for it, and a release that disconnects them from any and all legal responsibilities.
You: Deposit the check, and signs the release..., not realizing that you don't have the check for the car, and up a river with out ..., a car.
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