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If you have just been rear-ended by another vehicle, you may be under the assumption that getting covered by the other party's insurance (Progressive, in my case) will be a breeze. Ask anybody and they'll say "If you get hit from behind, you're not at fault and the person who hit you is responsible." What they are
saying is that the insurance of the person who hit you is responsible. While this is true in most cases, there are situations in which this does not apply. Here's how I know...