this is the scenario, your driving, lets say your brothers car, worth about 12k for arguements sake, for whatever reason you lose control of the car and write it off, your ok, but the car is gone. Your only covered 3rd party because it wasn't your car. Would you (a) try and do all you could to repay all or most of the value of the car, or (b) say oh thats hard luck, but what can ya do, and that would be the end of it, your bro is out 12k and tough sh*t!
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