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"I told her it's gone if she either gets a ticket or a reported accident (claim)"
Maybe she's innattentive or just doesn't give a damn, but the ticket and reported accident comment strike me as odd.
She obviously is hitting things with frequency and "doesn't have any idea" what she hits. Whether she is hitting a car, mailbox, lightpole, etc if she is causing that much damage to the car she has to be damaging whatever she hits. Isn't each case considered leaving the scene of an accident? If a witness sees this and reports it you'll have even more issues to deal with above and beyond her safety and another dent on the 'Stang...
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