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I don't know about the recorded conversation with your sister, but - at least in Ohio - her saying "I'm sorry" could be viewed as admission of guilt. I was in an accident about 10 years ago, and the woman in the other car was (think) 80 or 81. It was near an intersection, and I swear she ran a red light. I said I was sorry, and I was at fault. It didn't help that I was a fairly new driver, either.
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