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As for your sticky, i once again say who the hell would know!!! If the driver got pulled or had an accident the insurance company are not gonna say " oh we know you always use the car, we are not paying out". Simple fact is they wouldn't know. Stop being a pussy.
Inclined not to agree. If you write off your 10k car on it's own, they will certainly spend a loss adjuster's wages for two weeks looking into anything and everything that will allow them to get out of paying.
Nevermind if you hit another car or a police investigation is involved.
Just not worth it in my opinion...