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Reply to anonymous @ 14:58 GMT

In the context of the conversation can you please advise what you mean? insurers don't appoint agencies on low value claims?
Insurers have arrangement with hire companies to charge lower that BHR for hire vehicles, they have agreements with large service providers for rehabilitation and have service agreements with garages for repairs? but that's what they do they repair vehicle's , they provide hire and rehab if requested, I think you are slightly confused with what you are trying to imply, but thank you for trying

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