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heres hoping that the police find your car somewhere.
If that doesn't happen then I hope your legal case goes well.
I can see why the insurance company is trying to wriggle out of this, they think you where trying to dodge paying the full premium price for your insurance. If you can get some proof as mentioned then you might be able to pay the difference in premiums (what it would have cost for you as main driver)So they don't feel like your getting away with paying a lower premium.
I feel for you in this situation, must be very hard.
Good Luck
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