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I know you're focused on how much it's going to cost you now for insurance but what teflon jones is trying to tell you is that if you have a serious accident that is your fault and the people you injure have claims that are over your policy limits, they will go after you (the driver) and if you...
I guess since there's no proof (besides a witness), you can always deny it ever happened but you lost control and slid into his lane. You have the responsibility to maintain control of your vehicle. If the ice was so bad, maybe you should've been driving a little slower. Take some responsibility...
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