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vst_ace (and others). Insurance doesn't exist so that you can pay once and then upgrade to new devices whenever they are released. Filing a false claim like that is insurance fraud.
Would you burn your house down so that you could build a new one with the insurance money? It's the same concept at play.
If you choose to do this, fine. I'm not going to judge you, but at least do so with the awareness that it's insurance fraud.
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