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Insurance & Accidents

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I recently purchased a signature model S and I am wondering how many of you have had accidents in your model S?
Was it your fault? Who were the insurance companies? Was the car repaired or total loss? If it was repaired how much did it cost? Who is your insurance company? Was it a signature? If they did declare it a total loss did you fight them on it? What did you do after? Did you have GAP insurance?
Thank you everyone!