
I've been in three auto accidents, all as a driver, and none of them my fault. I've been sideswiped by a driver in a stolen car, hit by a pregnant girl driving illegally on a learner's permit, and T-boned by a driver who decided to go straight from a turn only lane. No serious injuries in any of them. In the first two, my car was repaired by insurance, albeit with a deductible I had to pay. My t-boned car was totaled and my insurance company gave me enough money to buy a replacement before seeking payment from the other car's insurance.
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