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My house used to have kind of a shoddy carport area. We had heavy snow a few years ago and it caused the carport to collapse onto my car.Totaled the car and did some damage to the house. I made claims for the house, carport and car (all with the same insurance company). They paid it all and haven't raised my rates.
That said, I have been with them about 20 years and the only other claim I have ever made was getting my car towed once when I had a flat tire and realized my spare was flat so it was towed to a tire place to get fixed.
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