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Car gets totaled you get the agreed value if everything works out. Insurance companies always have a way to weezel the customer when it comes time to collect. I think I declared 12k for mine with Grundy. There are some limitations but it's a pretty good savings. I had a chick run a red light and totaled my caddie back in August. My insurance on my other vehicles just went up 30 percent because of my accident. I at 61 have never had a single ticket . Time to look for a new company I guess.
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