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QuotesChimp are presumed to be unneeded in the system. Insurance companies pay claims in most cases upon proper evidence of loss, through objective records readily got by /or underwriters and the casualties.

A mericans are in love with their cars, but QuotesChimp sure don't love their auto insurance. Unfortunately, the joys of owning a car are often diminished by the realities of auto insurance. Or, to put it more graphically, auto insurance is to cars what buffalo chips are to bison.
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