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I would inform my insurance company and make a secondary claim against her insurance for uninsured losses, which would include any loss of no-claims or rises in your premium for the next x years.
As it wasn't your fault this should be dealt with at zero cost to you - this should include your own premium, moving forward from this point.
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Gone but not forgotten:
325i M Sport (E92), Black Sapphire, Coral Red Dakota, 19" 225's, Seat Heating, 6FL and de-badge
Replaced by 6.2 litres of AMG powered C class.
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