The person liable for the accident you were in and who caused the damages to your vehicle is the one that has to pay for the damages.
Because you are the person that caused the damages, it means that you or your insurance has to pay for the damages to your vehicle. In addition to any other damages that you may have caused to property that is not yours.
Now, the term “full coverage” technically does not exist. If you are saying that you have comprehensive and collision coverage on your vehicle, then your insurance company can help pay for the damages. That’s what the coverage is there for right?
You do not have to pay anything out of your pocket (if you have coverage) other than your deductible. Unless you decide to not have your insurance company pay for the damages, then you have every right to pay for them out of your own pocket.
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