Okay say you got in an accident and it was someone else's fault, but at the time there was no damage to the car or to you. So you let it go, didn't call the police or file a report. But later that day you get pain in your neck and go to the ER and get a bunch of test done for $2,500. Is there any way the Auto insurance company will pay for this even though there was no report and somone else was at fault?
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