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....but collision doesn't do anything for parked cars, does it?
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When I was in college I had a 1952 Ford Fairlane (2-door hardtop, cream over light blue) that was totaled while it was parked in the street in front of my parent's house. By a sailor on leave.
My Allstate insurance agent dragged his feet until the sailor returned to duty, and then I was SOL.