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@christof I was thinking the same thing! It's like getting the more expensive accident policy for car insurance. You don't plan to get into a car wreck and total your car, but it does happen. Can speak from experience from both ends of those spectrums, i.e. no accident policy totaled car and...

@aba1612 In this case how much you owe, and the denial reasons as well

@aba1612 You'd have to call your insurance ultimately and ask that