re: Insurance agent cost me thousands

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Do you live in Michigan? That sounds like a Michigan policy.

Their system is so fricke

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I live in Louisiana. I drive work cars that are very dependable but don't need comp or collision. If they are wrecked, I pay for the repair if minor or toss them. It is not worth having comp or collision. I carry high liability limits on my liability.

On my old cars, which are nice, I carry full coverage. It is cheap.