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I've been rear-ended twice, so nothing my fault. I prefer to keep risky driving on the autocross course, and I recommend everyone else do the same--you can't explore the limits of your car in a safer environment.
The first one, I was stopped at a light, and had been stopped for maybe half a minute, and the woman coming up behind me didn't even brake; she slammed my car into the BMW in front of me, and both her airbags deployed. I will say her insurance company, Progressive, was actually very nice to work with; they had me in a rental car the very next day and took care of everything with no hassle.
My first wreck happened when I was 8; riding with my dad, a drunk guy turned left just in front of us into a shopping center entrance. I remember my father saying, "Hold on!" just before we hit him broadside. My father always drove cheap compact 2WD Japanese pickups, so there wasn't enough crash energy to do much damage.
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