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If you become side swiped by a car that did not stop, or have a ding put in your auto by another driver in a parking lot, the insurance you opt may not appropriately insure you for these kinds of circumstances.
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Car insurance companies also will not check your premiums on a regular basis to see if changes in the industry or pricing algorithms which happen with surprising frequency might result in a lower rate if applied to your circumstances.

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    Although there are general studies demonstrating the link between mileage and risk, individual driving data and UBI plan specifics are considered proprietary information of the insurer.

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