Why don't you just put a little extra money away each month in a savings
account, and use that if you have an accident and need to pay more for mod
replacement. If you get in an accident before you have saved enough for the
mod replacement just credit it and it would be the same as putting money
away, or paying insurance. this way if you never get in an accident then you
will never waste all that money. Just my .02
Aaron "The Man"
Dodge 3:16 "And on the eight day God made the Dakota."
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