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Insurance companies may add an additional charge called a flat extra to your cost during the first few years of recovery. Flat extras will drop off after a period of time.
Within 1st year of Recovery - Table 3-4 plus flat extra for 3 years
2nd Year - Table 3-4, plus flat extra for 2 years
3rd Year - Table 3-4 plus flat extra for 1 year
4th year - Table 3 range, most likely no flat extra
5th year - Standard rates may be possible
10th year - there is now 1 company offering possible preferred rates
It's important you go to a knowledgeable independent agent who will ask lots of questions, understand his stroke, treatment, and present a good case to several insurance carriers to see who comes back with the lowest price.
Chris