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This happened to a friend of mine that grew up in Manhattan. She got her drivers license when she was eligible but never owned or drove a car until she bought a VW Bettle when she was 21 and no longer in NYC.
She got hit big time because they counted her as having been an UN-insured driver.
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2014 BRZ Ltd. - DGM
E30 318is trackday funday car
E46 323ci vert
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