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Sadly, most insurance borders on being a scam, especially with it's government mandated. I tend to lean pretty left politically and I still feel this way. If a company didn't profit off of people a majority of the time, it wouldn't be a sustainable for-profit business. Even when one's vehicle IS damaged (with full coverage), it's often better to just not make a claim, because you pay for it in the long run through increased premiums.
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