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Are covered on some things...especially aftermarket stereo stuff. I know of 4 major insurance companies that unless you particularly ADD the stereo equipment and pay the additional fee per year (about 1%), they'll only cover a maximum amount (usually $500 for stereo). Which is actually INSANE because an OEM unit can cost more than that! Thank god I researched this and added almost $5K in stereo stuff to mine before it was stolen... Hope it all turns out okay bro!
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