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If the seller is willing to go to the bank, it means it's all legit.
Then you have the risk of the bank screwing you up with fees and all their hidden BS. LOL
Knock down the price until you feel is worth to take the risk.
Re the insurance, I remember AllState wrote my policy before I had the title. I didn't file any claim, though. And I'm in Florida. Don't know about PA
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