Quote:
Originally Posted by ember1205
What's "up to you" (the consumer) is whether or not you want to risk having your insurance dropped and getting blackballed by the industry. Your policy is a contract, and you specifically agree (in that contract) to report any and all damage to the insurance company in a timely manner. Failure to do so could result in immediately having your policy dropped for violating that contract.
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You couldn't be more wrong
