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You get what your pay for in this life. With GEICO, I imagine you get "15% less".
Before anyone starts getting all paranoid - insurance works on the law of large numbers. The few folks going to DE events are few indeed. Even within the P-car community.
And think of the cost to an insurance company to send someone to far flung tracks to find, what, one or two of their own insureds? Just not worth it.
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