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<- Totaled a car. ( 92 Nissan Maxima. Went over stump, tore the front open, radioator, oilpan, cracked the front axle and shattered the engine supports. ~10k to fix a 4k car. Figured 4k wasn't worth a life time of ludicrous insurance costs.)
No claim.
No rate increase.
Got a $100 ticket from the cops for "Failing to maintain a safe speed."
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