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I'm not sure what you mean by top notch insurance. If the car isn't paid for they make you have full coverage. Excluding gap insurance that pays the value of the car when its totaled or considered a loss. This means they take blue book value of the car, year to date. If you owe more than the car is worth at the time of the accident you are liable for the remainder of the loan, this is where gap insurance comes in. You buy gap insurance when you finance the care, they should offer it to you but it isn't mandatory. Gap insurance pays the remainder of the loan. Regardless of the scenario its probably safe to assume that very few people own their cars outright. So even with both insurances covering all liability most of these people are probably walking away square. Meaning they are out a car with nothing to show for it.
As for retaliating against a crazy mob like that, imo your best bet is to ditch the car and get the fuck out of dodge. Doing anything stupid like trying to run them over will just get your ass beat and possibly killed.
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