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Don't take a claim. Keep your record clean and insurance rates low. Part out the car, you could get 2k for the engine etc etc. I dont think it has to do with age, or driving experience with any car. It's driving experience in a turbo rwd car. I did the same thing you did when I first got my TT and I'm 26, except it wasnt in the rain, i spun 180 and slid backwards at an angle and hit a telephone pole and the curb. Luckily it was only $900 damage.
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