Imagine you're driving home from the grocery store, and the driver in front of you slams on their brakes. You can't stop fast enough to avoid a collision, and now both vehicles are damaged and both of ...

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Say, hypothetically, one day on your way home from work, you hit a patch of ice and slide into a guardrail. The next day, your local repair shop quotes you $4,000 to fix the damage. Who pays for those ...