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Shit OP, I backed my wife's 300 into a spot at my job that has the same crap protruding out but luckily I stopped just as the mud guard made contact. If that would have damaged the car, I'd expect it to be repaired by my company. So backing in or pulling in, that could happen to anyone. For the guy on the horse, look out for low hanging branches. Also, what does NY law have to do with the OC?
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