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One of your long-time policyholders gets into a multi-car accident while driving home from work one night on a rainy, slick road. After taking a few slow, deep breaths, she makes sure she’s unhurt, then climbs out of the car to check on the other driver. Thankfully, everyone’s unscathed. If only her car were so lucky. The passenger-side front quarter panel is smashed so badly that the front wheels can’t even move. Driving the car is obviously out of the question.

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