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Yea but I really dought your average F-250 driver would know that.
As far as insurance goes I'm paying out of pocket as I don't need to give my insurance company any reason to raise my rates, I'm insuring 6 cars through them and I figure a rate hike would outpost the damage done, and it would easily pay for itself if I fix it. Just cheaper that way. Unfortunate but that's life.
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