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Yes and no, time was that if it was paid off and you could afford to fix or replace it you got rid of collision but nowadays the real cost is liability and collision is the cheap part . Look at your policy and see how much each part of it cost and you will see what I mean.
People like to sue now...
And how does one remove the back seat back rest where all this stuff is hiding?
I too would like to make a cover, even if it is plastic sheeting to protect the stuff hanging off the rear of the cab.
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