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Wow, just when you think it's over, along comes some more, i'm reading this tread everyday with interest. I hope you nail this guy, screw over NZI and get your car fixed.
I do recommend state insurance though BOYD, if you do change, i had a accident just over 2 years ago, (my fault) and i'm still yet to pay the excess ($500) on my 3rd party, go state, you rule =)
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