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I switched to a different insurance company after they didn't give me any discount (because I stopped when traffic lights turn red.)
They aren't nuts. They are liars.
(They finally settled at the price I wanted and had to pay an extra $1500 to
a car repair shop for keeping the wreck all that time.) Morons.
A friend had a tree fall on his house 2 years ago and he uncovered that the
State Farm agent was approving unreasonable costs for a friend of his who
did storm cleanup work. That was reported to the state insurance board.
Good luck with your issue.