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While we are exploring situations here:
A car has a firewall job done when it was only 1.5 years old as a repair while under insurance. The firewall effort was not concealed, and was just ripped across the floorboards - rockers and all. The original green paint is still visible on this blue car.
What is it? Is it acceptable as a repair? The motive at the time it was done was to repair it, not to defraud anyone.
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Perfect example Marlin! We think of nothing about these cars that were in fact repaired back in their infant days but the same job done today is taboo.