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<p>Could be. The very first letter, where they didn’t even tell me what the damage was or how much it would cost? They wanted me to provide them with my insurance number. I think they were fishing to see if maybe I would be willing to let them use my insurance to fix this car. And the answer was, no, I was not willing to do this.</p>
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<p>Maybe! 
It was therapeutic for me to tell you all about it, and I got a lot of good advice in the 60-some replies to this thread. Thanks everyone.</p>