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i can't see that as possible. if they used obstruction of view as a way to avoid paying on accidents everyone who ever hung their HS graduation tassle from the rear view wouldn't be able to claim.
most insurance companies jsut pay up front anyway. they are insured for your insurance(nice system ain't it) and they jsut pay off whatever amount you are liable for according to your policy. if the person wants to sue and go after more money then it is pretty much gonna be on you either way.
later
tim
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