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auto insurance rebate is based on a Florida rule. They're doing because they have to most likely.

The reason they're giving back money has nothing to do with any kind of altruistic, they're making profits. So they're giving it back to you. There is a statute, the Florida excessive profit statue in the State of Florida over a 3-year calendar business period. If they're making over a certain amount of profit, they have to give it back to the customers, it's a Florida statue. There's no altruistic or stock thing involved here.
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