I believe that in the last week I have learned more about the way auto insurance works than I learned in the 30 some-odd years I have been driving. Sadly, it has taken an accident, three old cars, two teen drivers, and half a dozen phone calls to gain my new knowledge. Oh, and the teen drivers were not involved in the accident. I really hope this new found knowledge saves me money, but never needs to be dredged up in the future.

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