Golf cart ins.
When my GC ins. premium went way up a couple of years ago, I went back to the Villages Ins. agent. She looked at the policy as said the ins. co. must have changed my cart information. So she changed it back, asked me to give a new value of the cart, and my premium went down about $100. The ins. co. does not depreciate your cart every year so they inflate the premium. You know that if something happens they will depreciate then so they won't have to pay out on the claim.
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