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Looks like nonsense for scared people....
There is no difference in the coverage for all the other parts (besides nav/radio in the Platinum)...same plan. same rules.
The Gold plan does do a thing for you other than adding one year (from 6/100 to 7/100) the platinum adds the radio, nav, etc....
It boggles the mind that people would buy this- its just not worth those prices, IMO
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