The world always goes silent before the panic hits.
One second you’re driving — music humming, thoughts drifting — and the next:
BANG.
A violent jolt.
The seatbelt digs into your chest.
The airbag erupts like a punch to the face.
White powder fills the air.
Your ears ring.
And in that terrifying fog, with adrenaline shaking your hands, the next 10 seconds will determine your fate — not just your safety, but your finances, your legal standing, and whether you’ll become the one stuck paying for everything.
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