Insurance is one of those things like like tax write offs that I feel like so many people misunderstand. There is no free lunch. A small claim is going to cost you more in your deductible and your increased insurance premiums than just paying for it out of pocket. You just it just costs you that money or going through your insurance means a it'll probably take longer and be it'll cost you even more money. So don't whatever. Take this for the ignorant rant that it is.

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