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1.
The dent ALREADY ON the exact spot of the car you near nearly drove into.
"I was on my way down to the Yentagon when some joker cuts me off. And wouldn't you know it... total coincident! Right on the fender I was about to slam into!"

As they don't say:

"Better a coincident than a $500 deductible."
by Ezra Soiferman January 09, 2004
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