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I'm Lucy, and I'd be happy to answer your questions today.
Typically, the reason a person has insurance is so you pay premiums, and the insurance company pays if you're in an accident. If you're not in an accident, they keep your premiums, and if you are, they cover it. That's the deal. What is the insurance company's basis for asking you to repay them? Is there specific language in the contract they're relying on?