secure reader 2025-11-07T09:36:58Z

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Rain lashed against the rental car window as my knuckles whitened around the steering wheel. Some idiot had sideswiped us on the narrow coastal road near Cavtat, leaving a crumpled fender and my vacation in ruins. My wife's anxious breathing filled the cramped space while our toddler wailed in the backseat. All I could think about was the insurance nightmare awaiting me - the paperwork labyrinth that had consumed three weeks of my life after a minor fender-bender back in Frankfurt. That memory a

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