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RE: finally found an insurance company in CA that doesn't drive me nuts
Actually, my parents had a pretty good experience once. They booked flights on a card that promised trip cancellation insurance, and when my dad got sick a few days before departure, the card company refunded everything ...
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RE: car totaled but still owe money - pay off now or wait for insurance?
I've never been in this exact situation (still learning to drive, actually), but wouldn't it depend on how long insurance usually takes to settle? Like if it's gonna drag out for weeks or months, maybe paying it off now ...