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        Agreed  if you bought it , when was it to be effective ?  Often the day you pay for it, but not always,  so that is the first issue,  was a binder issued from the company.
 
 Next was coverage for that paid for,  also you may have a deductable you will pay first before they pay.  My deductable for that is currently 500 dollars, but it depends on the coverage you bought
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