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having $32M into your car? You can't just make up a value. It needs to be reasonably substantiated. If your profile is correct, $15M would likely cover the car..... ..and if you ever get into a battle with them, they will say the same. read the fine print, just because you have a $32K Policy, they aren't obligated to cut you a check for that much, if the cat is totalled.
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