there's one born every day, as the saying goes...
 
get your money back...OMFG
 
as noted, since you have chosen to ignore the good advice that was given, why don't you act like a piece of dried up sh!t and blow away.... 
    
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So Long and Thanks for All the Files
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Beware of the big 3 insurance companies in Texas! Read your policies carefully (maybe you'll need a lawyer)  Allstate, Farmers & State Farm are overextended and their 'coverage' is worthless...a true waste of your money 
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