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I got in a fender-bender in my first month as a licensed driver, at age 16. I was on the right-hand lane of a four-lane street. Somebody in the left lane stopped to let an oncoming car turn left into a driveway, which he did without noticing me coming in the right lane. He pulled into my lane, saw me coming, and stopped. I put all my weight on the brakes and was probably only going 5 mph when I hit him, but it was enough.
The cop took our statements. The other driver--a 40 year old guy--was trying to say that he wasn't at fault, it was the fault of the now-missing left lane guy who stopped for his left turn and waved him across. Cop found him at fault, sent us on our way.
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