troubledwaters wrote:
Apparently there are a lot of people that don't understand how state "no Fault" insurance laws work. Their is no such thing as the other guy pays (even if he is at fault - that's why it's called "No Fault"). Plain and Simple the OP's insurance pays to fix the damage, end of story.
So the OP's insurance company will decide for themselves whether the hitch needs replacing or not; cause the OP's insurance company is still the one on the hook if the hitch fails down the road sometime.
Very true, and from what I've seen, the insurance company will insist on replacing the hitch if it's been touched at all. They don't want the liability otherwise.