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ok dont get allstate they suck!!! the low ball insurance will fix the 1/4, and really it is fixable, no need to replace it, if you have allstate they will fix it, statefarm might put a 1/4 on the car
but even repairing the 1/4 it could be close to being totaled, but tell me what kind of insurance do you have her low ball company makes baby jesus cry in his manger
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