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For the out of pocket costs over time for most of these types of policies, it makes MUCH more sense to either spend a little more for a car with the IMS done, buy a car and get it done, or just buy a car, drive the snot out of it, take car of it, and change the bearing when you need a clutch. IMS's DO fail, but overall it is a very small percentage and way blown out of the water IMO.
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