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I'm just here chillin with my popcorn listening to the debate between IK6SPEED and Blubaron79. I was always under the impression that insurance companies increase your rates if you report ANYTHING to their database. But who knows.
I live in NY now but when I lived in Dallas for a few years, they have a "Hit and Run" coverage (something along those lines). So technically, if you accidentally rear end a pole, you could call the police for a hit and run report and call it in through that coverage plan. Did it twice and all is good! Rates have not gone up.
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