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[–] Doglegwarrior 1 point 3 points (+4|-1) ago 

i hate insurance. it is absolutely horse shit. that being said i just wrecked the dodge viper i fixed up and ky insurance paid me basicaly exactly what it was worth and saved my ass.

so there is that. ive also had a couple roofs fixed because of hailstorms. you better use it and maximise it as much as possible if you do pay for the shit.