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if the worst come to the worst go through the MIB i had to to this
i had to claim most of it through my insurance first anything else in losses to claim from the MIB and as its a new car (to you) anything you have just bought claim that as well (got £500 back for the tracker i added)
when the MIB pay out you will get your NCB back which is good
p.s dont know how it works if there is an injury involved ??
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