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Ron,
It sounds like Allstate was also ready to leave you for the vultures ...but your agent saved you. Don't know if that is really an exception. Kudos to your agent.
The strangest insurance deal I ever ran into was while I was driving my girlfriends (now my wife) Corvair, years ...and years ...and years, ago. A fellow center-punched me at an intersection and totalled it. While it was rather dumb of me to not be watching closer, he was speeding and was supposed to yield. So I figured legally, if not morally, he was liable to me for damages.
The kicker was we had the same exact insurance company ...and agent. And they figured that they broke even ...so weren't planning on paying any damages to either. After some wrangling in his office, I got my agent to pay.
My wife has never forgiven me nor let me forget it, as that Corvair was posthumously the best car she has ever owned ...of course.
I told her it would have tipped over on its' own eventually anyway. Unsafe At Any Speed, you know. Ask Ralph Nader.
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