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I know that the iihs ratings are also An extreme situation, but here are two (again, anecdotal) examples. My Saturn ion, rated 4 stars by Saturn, rated "meh" by iihs. People have gotten hit pretty hard in them and made it out ok. My wife got rear ended in our chevy venture, and not very fast, and another not so good rating from iihs, and she still has whiplash from it.
I just use that as one factor when buying a car, but you'd be surprised how many new cars get a less than perfect side and moderate overlap rating.
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