Therefore, its important to have extra pairs of eyes on the lookout for you whether you are at home or away for holiday. If someone hits your car but leaves a note with their contact information, contact them and get their insurance details. This may include arranging for that person to be transported to a doctor or a medical facility for treatment. & We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Generally speaking, police will attempt to locate you collecting witness statements, reviewing nearby security footage and by patrolling the area around the accident for a broken down car or evidence of an accident. Coverage.com services are only available in states where it is licensed. We maintain a firewall between our advertisers and our editorial team. krisaverbeck2023-04-04T13:26:29-05:00April 4th, 2023|Comments Off on Do you stain top cap of fence in 2023, Should A Fence Company Stain Top Cap Of The Fence? I left the scene of an accident what do I do? Is that accurate? There are common points of entry that are more venerable to burglary, theft, and break-in. For those who have been on an incredible lucky streak and have never been burglarized over the years, its essential to keep your eyes peeled and keep your ears on the ground in case any unfortunate might occur. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Hit and run Arizona law separates non-injury related accident into three separate categories: A violation of leaving the scene pursuant to ARS 28 662, is a class 2 misdemeanor. You may also be subject to up to six years of insurance surcharges and your drivers license could be suspended. Write down the date, the time, and the weather conditions as well as any damages. Learn More. to help you further. Uninsured motorist coverage pays for damage to your car when the at-fault driver has no property-damage liability coverage of their own, which is not unlikely when you consider that one in eight U.S. motorists have zero insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Call us for a free consultation. Some people might say its futile to stop unruly kids running in your yards by simply posting NO TRESPASSING sign or sign of PRIVATE PROPERTY . That Incredibly dumb question from someone who has never dealt with something like this before: I'm a homeowner in Massachusetts. We reduce industry jargon so you get the clearest form of information possible. Home Fence Repairs What happens if Someone hits my Fence with their Car? Some insurers offer no claims discount (NCD) protection that maintains your NCD. Which certificate of deposit account is best? The offers that appear on this site are from companies that compensate us. Your uninsured property-damage policy will pay for your car repairs up to a certain dollar amountfrom $5,000 to $50,000, depending on the policy you choose. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. This field is for validation purposes and should be left unchanged. But as far has a vehicle hitting your car, as others mentioned--it's low (if any) priority to the police. If you happen to know who hit you and it can be verified, then the claim can be submitted and paid under the driver's property damage liability policy, and you can avoid a rate increase on your own insurance. this post may contain references to products from our partners. In most states the punishment for misdemeanor hit and run is a fine, however it may include up to one year in jail. Hit-and-run law in Massachusetts says that if a driver is aware that they have hit someone or something, causing injury or damage, and does not stop to give the other driver their information, they are guilty of a hit-and-run. Nothing on this website is intended to constitute legal advice specific to any individual or case. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. in Sociology from U.C. That depends on numerous factors, from where you live and what kind of car you drive, to your age and marital status. WebThe good news is, if the driver is at fault, the damages would likely be covered under the The average insurance premium in Massachusetts is $1,223 per year for full coverage, which includes collision and comprehensive along with the required liability and PIP insurance. Leave that information in writing in a conspicuous place on the vehicle that was struck. The possible penalties for a leaving the scene of an accident conviction make it essential that you get legal help. This is where having an attorney experienced in hit-and-run accidents will prove valuable. There are also a few things you should not do: If you have comprehensive cover, you can make a claim, but you may lose some or all your no claims discount as well as paying a large excess. Most repairs we have found at Fence Makeovers are under $1,000. Find the operator or the owner of the car and provide them with the name and address of the driver and owner of your car; or. What happens if Someone hits my Fence with their Car? In most cases the situation can be rectified calmly when your honest about what happened. Revocation of your license for 10 years if the accident involves a death and 5 years if the accident involves a serious injury. Apparently someone hit the mailboxes at the end of our 1 mile rural road (literally right off the highway). Penalties for leaving the scene of an accident that involves only minor damage to property can be as minimal as a small fine where hit and run from an accident involving death can carry a lengthy prison sentence. When you want to know if your house is being watched or cased by burglars, the key information is below: Mounting evidence support that lurking strikers and intruders are testing out new gimmicks to get access to the new property, which is becoming worrying concerns for many urban dwellers, especially those who live in secluded houses because they are more vulnerable to burglary even in a broad daylight. Since 1996, Shuman Legal has been helping victims and their families navigate the complex legal process. If the driver doesnt have insurance then the homeowner will have two options, either pay for the damage themselves or file a claim with their own insurance company to get repaired. Rechargeable Battery Reolink Go/Go Plus, How to Prevent Homes Being Targeted & Burglarized, What to Do When Your House is Being Cased, especially during rainy nights or stormy nights, keep your eyes peeled and keep your ears on the ground. Creeping vines and aluminum fences in particular go together like roses and thorns. The bottom line is that insurance companies calculate rates based upon risk. Should I Buy New Car Replacement Insurance? Make the house, front and backyard visible with good lighting, Know neighbors and alerts police if anything suspicious, Keep a record or note of suspicious activities such as times of the events, makes of possible vehicle, the appearance of the people in question, Notify neighbors about suspicious activities, Inform local police if necessary and requires extra patrolling on the areas, Shore up home security by installing home security cameras/security systems, Reinforce doors/windows or other possible entrances. It might also be necessary to leave so that you can get help or contact emergency services. Our content is backed by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249). Answer some questions to get offerswith no impact to your credit score. Bankrate has answers. In other instances, patrol officers will generate investigative leads and a detective will follow up in the days or weeks after the accident. Accidents happen every day for many reasons such as being in a hurry, late for school, late for work or just having a stressful day. Interesting and surprisingly, many break-ins and home invasion can be avoidedand financial loss could be substantially reduced if homeowners have some security systems in place, report suspicious people around the neighborhood, and alert local police. You can be charged with leaving the scene if you hit another vehicle, pedestrian, object, or piece of property and then drive away. The hit and run penalty may include: When it comes to hit and run, the things you do immediately after the accident can help you avoid being charged and better your chances of a positive outcome, if you are charged. To find the best car insurance in Massachusetts, call several companies to see who offers you the best rate. If the defendant left the scene of the accident the victim is more likely to also recover punitive damages. My sweet and very well-meaning MIL, however, suggested that doing so would ultimately lead to a big hike in my home owner's policy. However, the most common reason given for a driver that flees the scene is that they are not appropriately insured. It is best to stay where you are, collect the at-fault driver's information, and file a report with the police. It may also occur if a driver hits a pedestrian or a stationary object and leaves immediately without giving aid or telling the authorities. To make a hit and run claim to your insurance company, you'll need: Other insurance policies such as third party property damage or third party fire and theft won't cover the damage to your own car in a hit and run accident claim. on DIY vs. Professional Fence Repairs Pros & Cons, on The Essential Guide to Fence Repair in Allen, Texas Finding the Best Solutions for Your Home, DIY vs. Professional Fence Repairs Pros & Cons, The Essential Guide to Fence Repair in Allen, Texas Finding the Best Solutions for Your Home. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access YesNoUnknown. For example, Maine drivers are required by law to carry $50,000 per person and $100,000 per accident of bodily injury liability, while Massachusetts drivers must carry only $20,000 per person and $40,000 per accident. Using her eight years of experience in market research and data analysis, she works hard to understand her readers needs and bring data insights that provide accurate and straightforward answers to insurance questions. If you are injured because someone hits your parked car, and they have their state-mandated bodily injury liability protection, you'll file a claim with the at-fault motorist's insurer. She's had nearly a decade's worth of experience writing about i Our panel of insurance experts has reviewed the content to ensure that our reporting and statistics are accurate, easy to understand and unbiased. No matter the scenario, if your parked car is hit, you are not at fault, which is never a bad thing in the world of auto insurance. If you're involved in a hit and run car accident, there are a number of things you can do to avoid physical, emotional and financial stress. Any insurer can provide you with insurance that will give you coverage after a hit-and-run. Disciplinary information may not be comprehensive, or updated. Take many pictures of the fence damage as well as the damage to the car. 2. Click here. The team of experienced attorneys at Shuman Legal will ensure that you get the maximum compensation possible. highly qualified professionals and edited by In most states leaving the scene of an accident, whether it is a misdemeanor or a felony, will also result in the driver losing their license for a period of time. 2023 Smartfinancial.com Ins LLC DBA SmartFinancial Insurance. You definitely need to Jail time of 2 weeks to a maximum of 2 years. "Everything You Should Know About Hiring a Lawyer", Present Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Enjoy discounts on restaurants, days out, car care and more. We often link to other websites, but we can't be responsible for their content. Submit your case to start resolving your legal issue. Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. Bankrate follows a strict editorial policy, This neighbor guy ripped up and threw away my mums sweet pea plant that she got from her friend who died of cancer. Here's an explanation of how we make money SmartFinancial Insurance is a digital insurance Prices based on comprehensive cover only. If no one is hurt, call the police, who'll give you a crime number. Making a Terroristic Threat: What is Considered Terroristic Threatening? The information on this site does not modify any insurance policy terms in any way. In 2015-2017, the most recent years for which there are records, Massachusetts averaged 8,175 hit-and-run accidents each year. Report it to your home insurer and let them sort it out for you. I ran my car off the road last night, hit a fence, drove away, and abandoned my car after it quit running. In order to know what to do in a hit and run accident you should first know what police do in a hit and run. See if there are any eye witnesses who can give an account of the crash and get their contact details. The hit and run penalty ranges depending on the damage or injury that occurred as a result of the accident. . You could sue them. Post a free question on our public forum. Whether or not a company should stain top cap of a fence depends on various factors such as the type of wood, the [], krisaverbeck2023-04-11T14:22:17-05:00March 28th, 2023|Comments Off on DIY vs. Professional Fence Repairs Pros & Cons, Pros & Cons DIY vs Professional Fence Repairs DIY and professional fence repairs both have their own advantages and disadvantages. it's important to weigh your options carefully before making a decision. If you miss their filing deadline, you could miss out on your rightful compensation. These may include reckless driving or vehicular homicide if the victim of the hit and run does not survive. Other than PIP, these coverages are all optional. Or using 4G-enabled security cameras to monitor part of the house where WiFi is out of range, like the backyard, detached garage, or parking areas. As experienced attorneys, we can help you evaluate the facts, assess your options, navigate the legal challenges, and advocate on your behalf. comparison engine, providing real-time rates and insurance services in all 50 states through its relationships with carrier and agency partners. WebAnswer (1 of 7): If your only choice to avoid the vehicle braking hard in front of you is to It is of the utmost importance to remember that you are not obligated to speak to police. If, however, the accident involved an injury or death, then prison or prison time is quite common and lengthy license suspensions are mandatory. Stop either immediately or as close to the accident as possible; and. Even if the damage inflicted on the victim or their property was an accident, the driver left the scene intentionally. You can add it our comprehensive, or third party, fire and theft car insurance. Law, Insurance Prior to that, she worked as a writer in academia for several decades. Guaranteed courtesy car with our comprehensive policies when you buy direct. What To Do If A Vehicle Damages My Fence? If necessary, call the police for a report to file with the insurance company. The punishment will likely include both a significant fine and jail time. Consult For FREE. In addition to the legal consequences, if you are found guilty of leaving the scene of an accident it is also very likely that your insurance company will increase your automobile insurance rates. Weve maintained this reputation for over four decades by demystifying the financial decision-making That said, rest assured police take hit and run seriously and will normally be looking to track down a suspect regardless of how minor the accident. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: To determine minimum coverage limits, Bankrate used minimum coverages that meet each states requirements. 22% of burglars break into a home through a back door. Leaving the scene of an accident can be a felony or a misdemeanor. Get Your Case Reviewed Quickly, and for Free, Arlington Heights Workers Compensation Lawyer, having an attorney experienced in hit-and-run accidents, Close This Window And Go to Helpful Resources. The most common reasons younger drivers (between 1634) leave an accident scene is because they're not insured, had been drinking, panicked or feared the consequences. However, your insurer may increase your rate to cover its own expenses, especially if you have filed claims before. Having collision insurance will protect you against repair costs if the at-fault driver is uninsured or underinsured. 2023, Even when the unexpected happens. Option 3: Incorporating Your Neighbors Fences into Your Design Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. He also has experience in general digital marketing, SEO, and content management. The driver has citations coming but we didn't get any insurance information. Each of them gives you additional protection that you would not get with minimum coverage. The location, time, date and cause of the accident. The hit and run penalty may include: If you are in an accident resulting in only damage to property such as hitting a fence or mailbox, ARS 28 665 requires that you must: A violation of leaving the scene pursuant to ARS 28 665 in which only damage to personal property has occurred is a class 3 misdemeanor. It is currently required in Maryland, North Carolina, South Carolina, Vermont, Washington D.C., and West Virginia. 2% of burglars enter somewhere on the second floor. How can you tell someone is about to burgle or case your house without leaving you wrangling and fuming about the loss you have to sustain? The hit and run penalty depends on the extent of injuries, if any, or the type of accident you were involved in, if it there was not an injury. If you can, get the driver's number plate as well as the make and model of the car. The safest thing to do if you have left the scene of an accident is to contact an experienced hit and run attorney. Strangers pretending jogging in the street or walking down the block back and forth should set off a red flag house casing. Collision and comprehensive coverage require deductibles to be paid when a claim is filed. Regulations and policies regarding rate increases will vary from state to state and from carrier to carrier. Up to 50% off UK attractions with Kids Pass. Law, Employment If you have been involved in leaving the scene of an accident, law enforcement is interested in speaking to you. The victim may ask for damages to compensate them for medical bills, property damage, and lost wages. After an accident, no matter who is at fault, you should always take the following steps: Seek medical attention and get an official medical report to document your injuries, Contact the police and file a police report, Exchange information with the other driver, getting their insurance policy number, Document the damage to your car and the other car with photos or video, making sure to capture the damage and the entire scene from different angles, Get the contact information of any witnesses, Write down as much information as you can remember about the accident, Contact your insurance company, giving them as much information and details as you can, Forward the official accident report and medical report to your insurance company or the other driver's insurance company. According to the Insurance Information Institute, collision insurance costs about $290 per year and comprehensive costs about $135 a year. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. He knows he hit my fence as he got off and take a look if his trailer is damaged. Hit-and-run Massachusetts statutes are clear: if youre involved in a crash, even if its just a fender-bender, you must stop, assess damages and identify yourself, according to the Massachusetts official drivers manual. Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. The hit and run penalty may include: A violation of leaving the scene pursuant to ARS 28 661 in which you are found not to be at fault for the accident is a is a class 3 felony. Good luck. If requested, show your drivers license to that person. Years licensed, work experience, education. This also holds true if they hit an object, such as a mailbox or fence. subject matter experts, Tips for Dealing With Car Insurance Companies After an Accident, Car Accidents and Insurance: How to Prepare for the Worst. Well respond to your written inquiry within 15 minutes during business hours. The hit and run penalty may include: Where the accident has caused a serious physical injury or the death of someone involved, you must immediately stop at the scene of the accident and. A ring of professional burglars marks potential targets while canvassing your neighborhood by using seeming random signs, in which they tell their members whether or not the houses are easy targets. While we adhere to strict (this may not be the same place you live), Faulty/Defective Products/Services (Auto, Drug), Investments (Annuities, Securities, IPOs), Online Law These are sample rates and should only be used for comparative purposes. Now not every hit & run is tragic, but many are. The exact punishments vary from state to state. Davis School of Law and a B.A. Any of these may come into play if you are the victim of a hit-and-run accident. Install a Motion-Activated Sprinkler. WebThe MIB is a not-for-profit organisation funded by the UK insurance industry to process and giving people confidence in which actions to take next. Get a new quote and save today. Rates keep going up in 2022. Follow the steps below if someone hits your fence with their car. We provide up-to-date, reliable market information to help you make confident decisions. He has written on many topics related to the insuran Fran Majidi manages content on SmartFinancial's website. Photographs of the accident location and damage to your car. Coverage.com, LLC, a licensed entity (NPN: 19966249). He has worked in publishing for more than 25 years, editing books, newspapers, magazines and websites. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. How police handle the situation varies from police agency to police agency and based on the extent of damage or harm caused by the accident. If your parked car is hit by another vehicle, the best-case scenario is a minor fender-bender with an insured driver who sticks around to make a police report and trade insurance information. Anytime you are involved in a vehicle accident there is a possibility that you will be sued by the other driver or property owner for damages. Of these may come into play if you are the victim of a hit-and-run accident to... To find the best rate who 'll give you a crime number required in Maryland, North Carolina South... Averaged 8,175 hit-and-run accidents each year contact an experienced hit and run penalty ranges on... Has worked in publishing for more than 25 years, editing books, newspapers, and. Could miss out on your rightful compensation date, the most recent years for which there are records, averaged... In any way these may include arranging for that person to be paid when a claim filed... Victim may ask for damages to compensate them for medical bills, property damage, and we found... Modify any insurance information Institute, collision insurance costs about $ 135 a.. Note with their car to you in which actions to take next your rate to cover own... A note with their car only available in states where it is licensed of that! And West Virginia the vehicle that was struck are the victim or their property someone hit my fence and drove away an accident make! Make confident decisions the accident post may contain references to products from our partners and! Is that insurance companies calculate rates based upon risk the Fence damage as well as damages... According to the accident involves a serious injury of 2 weeks to a maximum of 2 weeks to doctor! Victim of a hit-and-run accident, especially if you have left the of! Is licensed your NCD get offerswith no impact to your car but leaves note... Business hours organisation funded by the UK insurance industry to process and giving people confidence in actions. On someone hit my fence and drove away, days out, car care and more companies that us. Of car you drive, to your age and marital status information in writing in a conspicuous place on lookout! Be paid when a claim is filed and we have editorial standards in place to ensure that happens insurance (. Accident involves a serious injury 10 years if the damage inflicted on the vehicle that was.... Based on comprehensive cover only insurance information available in states where it is.. Is hurt, call the police, who 'll give you a crime number will! At home or away for holiday fences in particular go together like roses and.! Organisation funded by the UK insurance industry to process and giving people confidence in which to. Companies to see who offers you the best car insurance back door we make money SmartFinancial insurance is a insurance. And West Virginia often link to other websites, but many are per year and comprehensive costs about 290... Or case with Kids Pass year in jail will prove valuable rectified calmly when your about... Is licensed inflicted on the lookout for you whether you are at home or away holiday. Terroristic Threat: what is Considered Terroristic Threatening accurate and unbiased information, the. If necessary, call the police, who someone hit my fence and drove away give you coverage after a hit-and-run many pictures of the location... Firewall between our advertisers and our editorial team a hit-and-run accident a significant fine and jail time content. A misdemeanor with the police for a driver hits a pedestrian or a stationary object and immediately! Written inquiry within 15 minutes during business hours might also be subject to up to one year in jail our... A doctor or a stationary object and leaves immediately without giving aid or telling the.! Industry jargon so you get legal help rates and insurance services in all 50 states through its relationships carrier... The vehicle that was struck insurers offer no claims discount ( NCD protection... Them gives you additional protection that maintains your NCD having an attorney in... This also holds true if they hit an object, such as a writer in academia for several decades contain. What is Considered Terroristic Threatening to find the best rate after the accident ranges depending on the victim of accident! Weather conditions as well as the make and model of the accident a. Or vehicular homicide if the damage to your home insurer and let them it... My Fence as he got off and take a look if his trailer is damaged to be when. Damage inflicted on the vehicle someone hit my fence and drove away was struck interested in speaking to you of may... Responsible for their content entry that are more venerable to burglary, theft, and file a to., collision insurance costs about $ 290 per year and comprehensive costs about $ 290 per year and comprehensive require... To process and giving people confidence in which actions to take next a driver hits a pedestrian or a.... Of our 1 mile rural road ( literally right off the highway ) to six of... Contact emergency services 2 % of burglars enter somewhere on the lookout for you each year together like roses thorns! Third party, fire and theft car insurance, collision insurance costs about $ 135 year..., your insurer may increase your rate to cover its own expenses, especially if you have someone hit my fence and drove away. May contain references to products from our partners your drivers license could be...., such as a mailbox or Fence for their content to products from our.... From someone who has never dealt with something like this before: I 'm a homeowner in.! The team of experienced attorneys at Shuman legal someone hit my fence and drove away ensure that you get maximum. Your license for 10 years if the accident NPN: 19966249 ) in jail might be! That person to be paid when a claim is filed up-to-date, reliable market information to you... Their insurance details collision insurance costs about $ 290 per year and comprehensive coverage require deductibles be... Insurance surcharges and your drivers license to that person to be paid when a claim is.... You whether you are the victim or their property was an accident, law enforcement is in. We provide up-to-date, reliable market information to help you make the financial. From someone who has never dealt with something like this before: 'm. Damage, and the weather conditions as well as the damage inflicted on the lookout for you whether you the. Dealt with something like this before: I 'm a homeowner in Massachusetts specific to any or! Per year and comprehensive costs about $ 135 a year your drivers license to that, she worked as mailbox. Years, editing books, newspapers, magazines and websites miss out on your rightful compensation topics related to insurance! Emergency services result of the hit and run attorney to file with the insurance.... Off UK attractions with Kids Pass your credit score Terroristic Threat: what is Considered Terroristic Threatening of may! 'S important to weigh your options carefully before making a decision products from partners! Repairs we have editorial standards in place to ensure that you get the driver has citations coming but ca. Was an accident, law enforcement is interested in speaking to you and what kind of car you,!, such as a writer in academia for several decades North Carolina, Vermont, Washington,! And your drivers license could be suspended filed claims before a medical facility for treatment recent. Engine, providing real-time rates and insurance services in all 50 states through its relationships with carrier agency... Take many pictures of the accident location and damage to the insurance company a home a. Live and what kind of car you drive, to your credit.! At Shuman legal will ensure that someone hit my fence and drove away get legal help of 2 years 5 years if the damage or that. Claims discount ( NCD ) protection that maintains your NCD any of these come... Of how we make money SmartFinancial insurance is a digital insurance Prices based on comprehensive only. Street or walking down the date, the most common reason given for a to. Entity ( NPN: 19966249 ) as close to the insurance information Institute, collision insurance costs about $ a! The defendant left the scene is that insurance companies calculate rates based upon risk you been! 2 years in states where it is licensed will protect you against costs. Mailbox someone hit my fence and drove away Fence policies when you buy direct any insurance policy terms in any way need. Entry that are more venerable to burglary, theft, and the weather conditions well! Left unchanged the date, the most recent years for which there are common points of entry are. Of insurance surcharges and your drivers license to that person comprehensive policies when you buy.... Provide you with insurance that will give you a crime number damage as well as the make and model the. This is where having an attorney experienced in hit-and-run accidents each year its own expenses, especially if you at! Constitute legal advice specific to any individual or case or contact emergency services the. Felony or a medical facility for treatment a serious injury 10 years the! Make confident decisions victims and their families navigate the complex legal process at-fault! Seo, and lost wages within 15 minutes during business hours you and... Consumer Access YesNoUnknown your someone hit my fence and drove away to 50 % off UK attractions with Kids.... Publishing for more than 25 years, editing books, newspapers, magazines and websites punishment for misdemeanor hit run... Bottom line is that insurance companies calculate rates based upon risk engine, providing real-time rates and insurance services all... Fences in particular go together like roses and thorns having collision insurance will protect against! At home or away for holiday literally right off the highway ), Employment if you have filed claims.. Makeovers are under $ 1,000 insurance details insurer can provide you with insurance that will give you coverage after hit-and-run! Topics related to the car back door may include arranging for that person to be paid when a claim filed!

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