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No clue how they work. I have to "guess" when you buy coverage from them you sign a disclaimer? Probably a pretty long one? Anyone have a copy of it NOT some YT video of someone talking about it? "Suspect" that if read it would most likely be clear why they did not pay but again, have not read what you sign up for with them. I have insurance on my vehicles, on the place I live, on my life, ALL of them have a rather detailed system for how they pay IF they pay.
or maybe