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A few years back I had an interesting conversation with a guy who had been an insurance consultant. He told me many newer cars are totaled due to thin steel and aluminum - modern lightweight materials are designed for safer crumple zones, low weight, stiffness, etc. but are very expensive to fix and this may even effect integrity of the vehicle in a future crash - not worth the legal or financial risk!
He also said that many repair estimates are too high with crazy mark-ups on parts. All this just increases our premiums!
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