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This actually brings up a potentially valuable point - If you have progressive, you can add New Vehicle Replacement to your policy within the year it was purchased for about $10 a month (based on my policy - I'm sure that varies depending on the options you select). This policy means that if your bike gets totalled within four years of purchase, it will be replaced outright with the same model of the current year. Obviously, that doesn't help with your accident, but if you have a brand new bike, it's worth the extra money to protect your investment.
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