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If it is 4-wheel or all-wheel drive, and the energy from the impact was transferred into your drive shaft, then that can screw up your transmission, which is connected to your drive shaft. Look for signs of impact on your rear axle. Take lots of pictures, don't settle with the insurance company until you have gotten multiple assessments. Its a pain, but will be worth covering your bases.

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Q: Can a rear end collision cause transmission problems on a 2004 Mercury Mountaineer?
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