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I wholeheartedly agree that this particular commercial needs to cease, once and for all! It is because of the composition and publicity of this advertisement that I would NEVER have anything to do with this particular company. If I were to get in any serious accident or any other earth-shaking situation, I would (LITERALLY) go WITHOUT any kind of insurance before I would lower myself to bother with this particular company. Why God allows this particular company to even exist is something I will never be able to figure out!