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Personally, I think insurance should be 'no fault' - your insurance covers your own ass, irrespective of fault. Buy as much or a little insurance you think you need. It would cut down on the ambulance chasing as well.
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"You go to the track with the Porsche you have, not the Porsche you wish you had."
'03 E46 M3
'57 356A
Various VWs
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