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That's real bad shit, Slavo. Sorry to hear.
The trouble with having your car stolen is that, even if it is covered by insurance, it's still mega-inconvenient. All of a sudden you've lost your independence, plus there's a wait of a couple of months until the insurance pays out. You have to decide whether to get a loan to get a new car before that happens, or live with the inconvenience until the policy pays out.
When it happened to me, I borrowed money to get a new car, and then the old one was found by the police three days before the policy would have paid out.
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