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And I'm not a nay-sayer either. My point is the insurance adjuster deals with these situations all day everyday. And while your kids are the exception, the majority of cases are not going to be what is being told to them. They are of course going to be suspicious - not because it affects the results of the claim, simply because they want to know the truth about why they are paying the claim.
So there's really nothing to 'stick it to' the insurance company on or get angry about. Save that for if they try to deny coverage or aren't giving you a fair amount for the vehicle.
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