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It makes sense to me... if my asset is out there in the wilds I don't want to deal with 2 different companies when something goes wrong because you wanted to save some money. What's in it for me at that point as the one with all the liability? At least my lawyers know exactly what ICBC covers and does not cover, not the litany of other 3rd party companies with any number of differing policies or restrictions out there... there's just no way.
Leasing sucks, its a terrible financial decision save for some business writeoff stuff... so just another reason you should stay away from it.
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