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What was your $1,000 claim? Was it someone hit your parked car? Did their insurance cover it, or yours?
I tend to pay cash for anything under $2k just to keep it entirely off of insurance as they'll almost always find a way to get their money back. I had two no fault accidents on my insurance when I moved to TX from CA and they dropped my coverage because they were about $60k, even though I wasn't at fault for either.
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