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SmartMoney magazine reports on the most common ways in which auto insurance companies can and do hurt their customers. Some of these are: inflating the cost of the insurance policy; determining premiums on the basis of credit rating; pocketing customers' deductibles; policy cancellation or nonrenewal without any explanation; sending customers to faulty direct-repair shops; not informing customers about their right to diminished-value claims; delaying claims payments.

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