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The 2018 Dodge Challenger SRT Demon is the latest in a long string of high-performance cars that present special risks and opportunities for insurers. (Photo: AP/Julie Jacobson)

Cars have been a staple of the American identity ever since Henry Ford mass produced the Model T in 1908.

From that time on, hundreds of models have rolled out and hit the streets, each representing a piece of history. For many, owning that piece of history is integral to their identity. 

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