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Saam, I know exactly what your going through, and in time you will be able to get beyond this. Good people make mistakes, and the important things are: no one got hurt, and you are clearly mature enough to take responsibility for what happened, and man enough to acknowledge you want to improve your driving skills.
Now let the insurance company do what they do, and get back in the game.... albeit smarter and wiser. I know I am.
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