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I don't know what world your from, but here where I live, Insurance companies are just giant legal theives. They've already written off the computer as a loss which means probably any return will be off their books, and never recorded. If this were an indivdual Carl, I would agree, but its not. Its a faceless corporation whos greed has it asking for rate hikes beyond inflation rates, every year.
The way I see it, the new computer is payment for the inconvienience caused by the shipping companies lax delivery practices, and the emotional stress caused when the computer went missing.
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