Wow! I was so engrossed from the beginning to the end. It was as if I was present at the scene, the way you narrated the scenario. It was a relief you got to know one time that the taxi driver tried to outsmart you or scam you if that is the right word to use. I would love to know what happened to him in the end. If he got away with it or punished for it.
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I'm doubt the insurance would punish him in any way, but I wish they would. Scammers shouldn't be allowed to try scam people like that