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Reply to "DH stopped for a pedestrian and got rear-ended"
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[quote=Anonymous] Lesson to OP: Don't over leverage your car loan and make sure you have an emergency fund. In other words, make sure you are never at a point where you would be underwater on your car if it got totaled. Chances are an accident where you have a totaled car situation will only happen once or twice in your life anyway. The rest of the time drive your car for as long as you can before buying again. And, of course, look for the kind of insurance that works best for you. That might mean you pay a lot for insurance. Most people prefer to self insure at a certain level. That's how we roll (high deductible and we stop the collision when the cars get old and take our chances). [/quote]
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