old argument but again I love how easily everyone says 'personal ethics' or something to that extent. Easy to say when you're talking about a relatively small price like a deductible or a window. If the window cost something stupid like 10 thousand dollars (obviously it wouldn't), would you still say "Ok, I'll man up?" Or would you say "I'm sorry it happened but the law says I don't have to pay"? Think about it. Would you?
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