How long is the insurance premium going up for-
because if you go through insurance it'll cost you at least 1900 (deductible plus next years raise in rate)
if you pay it yourself it is 2800. so will your rates stay 900 more for the 2nd year, or will it go down? Because then you'll actually pay less if you go through insurance.
don't know if it solves the problem, but it is maybe something you didn't think of yet.
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REDVAN!
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