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One of the most lavish mansions in my neck of the woods was built by a person who runs an after-market warranty company. That tells me that the guy taking your insurance money does not believe that you need insurance.
The nature of Insurance is that you should only insure things that you can not afford to lose. If a transmission or engine falls in that category, then go ahead. The rest you gamble with, taking on faith that the odds are on your side to the same extent as they are for the guy who is willing to insure you.
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