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I have paid in to this ins,for two yrs.what a waste of time and money.I switch to loya because they were local and because they paid on the spot ,simple enough'right'not its been since may,09 and i am still going back and forth.i will be cancelling.This is an i told u they do not pay for minor stuff that is exactly what the guy said.What does it matter that tell are local.I will let everybody know it is a scam.They quote the least so ur paying out of pocket-and they pay zero.

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