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My wife had a rear-ender and the driver of the other car accepted fault but is not included in the insurance policy of the car. He claims to be the son of the insurance policy holder. The other party insurance refuses to accept liability. I have a deductible of $500. My insurance asks me to wait until the other party's insurance gets back and says its difficult to claim rental charges for the period my car was in body shop, as I do not have rental policy coverage. What are the legal steps? How do I claim for the rental charges as well as body injury(my wife had slight neck and back pain after the accident)
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