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Which is the percentage of the premiums d' insurance are never payées by the companies d' insurance à their customers?

Considérant that l' industry of the insurances uses the government to force people à to buy their product and publicité fréquemment à the télévision, it does not seem être a percentage très élevé of premiums are versées. L' industry of the insurances to pay même the moitié its incomes in claims? A quarter? 10 percent?