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Ouch, $10,000 worth of damage at least. Sounds like the Kia driver violated the right of way of the OP by turning in front. Whether the Kia has insurance or not, always notify your own insurance. The OP is not the customer of the Kia's insurance company.
BTW, injurries also played a role in the collision. Time off from work, long term effects of the hand injury and hospitals bills will also be part of the claim. As always, consult an attorney for advice.
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