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Listen I feel for people who get in a situation like this, but insurance is a financial instrument and you need to understand what kind of coverage you're paying for. Like just because you paid for this thing and then you had some stupid idea that you got from God knows where about what insurance is supposed to do does not mean that that is the instrument you're paying for. If I pay for mandatory minimum state auto insurance and then somebody sues me for 10 times the maximum payout The insurance
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