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99 Kia Elan 1.8L, 17 Ford Edge Sport 2.7L V6, 15 Mustang 3.7L V6, 08 Harley Nightrain
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All the insurance company look at is "the oil drain plug is missing", which was reported by the Kia dealership, and they have no obligation to investigate it any further, as the OP has reported.
 
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