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  1. Hi Gabby,
    I’m a computer geek, not an insurance guy, but I pay premiums and I know how to do arithmetic. If the guy who hit you had paid you back promptly, you wouldn’t have filed with your insurance company at all, right? Why should this timing make a difference? Help keep premiums down by not ripping off insurance companies. (And I like my insurance company, on the whole, pretty well–I wouldn’t cheat them.)