If I have a loan on my car with Ally and have a 24 hour lapse in coverage, am I at risk of repossession?

You contact your insurance is what you do. It seems they believe you are responsible for their damages, be it minor or not. Your insurance will take a statement from you and the other driver to compare statements on how this accident happened, then they will look at your vehicle and his to "match" up the damages or any paint transfers.

Prior to cell phones, no one had photos, since all appraisers and body shops take photos when they write an estimate. Very rarely are they witnesses in an accident, so fault is usually determined by the adjuster by the statements from each party to see which makes the most sense and the extent of the damages.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.