Actually, in comparison I think ours is probably a lot better than yours in some respects. It's FREE!!! But sometimes like I said, you get what you pay for, meaning you get nothing but at least you don't get any dang bill either and you don't need to have your own insurance for most things.
More pet peeves:
winter: snow, sleet, ice, black ice, freezing rain, you got the picture
winter driving, ooooooooh hate that one with a passion.
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