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Originally Posted by BBKing
Trains are generally tougher than cars, several of which get written off, often with their drivers, every year on level crossings, due to driver stupidity.
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I've seen some insurance claims on these and they are not pretty. Normally in a car crash you can look at the pictures of the car and work out what it was. Not when a train hits it.
The Train Owner also claims on your insurance for the repairs to the train. Thats a helluva expensive bill. You normally bend the first axel and damage the bodywork (or whatever you call it on a train).
Remember one particular claim.
Question - How fast were you travelling 15mph - How fast was the other car travelling 125mph (train) - Ouch.