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The trick is to first get good insurance coverage and then get some real damage once in a while.
First I had the front bumper completely replaced with lights and everything after being backed into, and recently a lot of respray work for bare-metal scratches and chips.
Hasn't cost me anything so far.
Well, except the premium, of course...
I guess I could have had a banged up car and a nice boat instead. Oh well. I'd get sea sick anyways.
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