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Rain lashed against my windshield like thrown gravel as my wipers fought a losing battle. That sharp left turn onto Elm Street? Pure hydroplaning horror. One sickening lurch, the screech of metal kissing concrete, and suddenly I'm sideways against a curb with airbag dust choking the car. Adrenaline turned my fingers to icicles as I fumbled for my phone—cracked screen reflecting my ashen face. Insurance card? Buried in some glove compartment abyss. That familiar panic started rising, thick and me

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