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Insurance policy is a figures activity. Adjustors gather information about what kinds of people get into injuries. Over the years they see a pattern. Motorists that work as technicians seem to get into less injuries. Why? It would be fun to think about the causes (pocket guards — need we say more?) but the providers don't really care about that. All they know is that, in reality, technicians are a safe. Since there is less opportunity that they will cover their vehicles around the back area of an equine saying shrub, they cost technicians less for insurance. Easy.
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