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I think your driver shouldn't be punished in any way. It is great to be an armchair quarterback after the fact but he managed to avoid a catastrophic collision in a truck that wasn"t safe to drive! In my opinion that truck of yours sounds like an old wreck. I get this opinion by the fact that you don't carry collision insurance on it because quote "(it did not make economic sense for full coverage)" and also because quote "The brakes on the truck had also failed, the master cylinder exploded". When a master cylinder has a total failure there usually are preceding indications that it is in poor shape. A truck in our jurisdiction would be pulled off of the road and the owners heavily fined by the Ministry of Transport if it were in this condition. Also the Ministry of transport would be inspecting the truck and laying charges after investigating this accident.
I don't mean to sound tough but I have to call it the way I see it.
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