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That happened to me. A pizza delivery guy ran a red light and totaled my wife's Mercedes. The little fart was insured for the minimum. USAA stepped up and paid the rest.
 

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Yep totaled that car was flying when he hit the Macan. Looked like the impact took out the whole front right corner all way to the passenger door. In Arizona we have a serious problem with people running red lights you never jump out immediately when the lights turn to green.
 
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