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[–] muscle_for_the_wing 0 points 2 points (+2|-0) ago 

I wouldn't worry about it too much. They are going after your insurance company's money and denial of their bullshit claims. Not after you.

I woudl recommend that you do what I have done- keep the insurance on the vehicle itself to minimum required levels (face it, even your own insurance company won't give you shit for you car) and boost the medical up a whole bunch just to cover shit like this. The minimum medical coverage levels can be exceeded pretty quickly with today's medical costs.