You know, there are actually people out there on the road, at this very minute, who do not believe they need car insurance. Instead, they drive on the roads and toss caution to the wind while the rest of us try to protect our assets by insuring them. These same people actually cause the rest of us to pay more for our insurance as a result of their irresponsibility. And yes, while these same people may appear to be complete fools to most of us, the fact is that many of us are …
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