I can live with the 5%. 
 
As I've said in the past threads, I have insurance to pay me out in case something bad happens- not just in certain types of accidents.  Cover me 100%, and tell me how much that costs.  Just add the 5% to my bill. 
 
Now I think the next step is to make the penalty for false claims a lot more severe.
		 
		
		
		
		
		
		
		
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