<<8D8AC28DCD6506498DC68749C8E43E72>]>> Defined words will be bolded in the policy. The Definitions section is extremely important as the terms contained there will define who is insured, what is insured, and when it is insured. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. You don't have to log in for these tasks. State Farm verification code is a standard-rate SMS (Short Messaging Service) program which provides statefarm.com users with an on-demand unique verification code sent via text message to a customers mobile phone. Text the word HELP to 96557, or call 888-559-1922888-559-1922 at any time to receive customer support information. Accessed May 15, 2020. Collision pays for damage from a collision with another vehicle or an object, or when your vehicle rolls over. And the first two numbers stand-in for the highest monetary amount that your insurance company will pay if someone is injured. \hline \text { Move water pump to filter } & 3.7 & 4.2 & 3.9 & 3.8 & 3.7 & \text { a. } Typically, adding rideshare coverage to your insurance policy raises your rates by 15% to 20%. Discover what happens if someone else drives your car and gets into an accident. Here is a rundown of the various coverages and recommended levels: This is an example of a typical declaration page, highlighting specific details that you should review as you read through your policy. And suppose it turns out he had no insurance, which is not unusual with drunk drivers. These numbers on your auto insurance policy represent the monetary limits on your liability coverage. State Farm is here to help, with simple definitions for complicated insurance terms to determine the right type of car insurance coverage for you. "Automobile Insurance Information Guide." When I was a teen, my parents taught me how to shop around for auto insurance. The authorization form also allows State Farm to meet privately with your doctors and discuss your care, even though you are not present, and you do not even have to be notified when such meetings are scheduled. Accessed May 15, 2020. This, State Farm has argued in other court cases, is because you failed to cooperate by not giving them that very broad and unlimited medical authorization. This discount is available to customers who also have a qualifying policy on their principal residence or a life or health insurance policy with state farm. The 25/50/15 policy-holder is covered up to $15,000 for damaged property in an at-fault accident. High versus low deductibles and a breakdown of the types of auto insurance coverage. If you totaled out a couple of cars, each worth $8,000, then the other parties would have at least $16,000 dollars worth of claims, exceeding your property damage liability limits of $10,000 like the injuries did with your bodily injury coverage. Forbes. 1397 0 obj <> endobj The same applies to the "Part C" coverage for uninsured and underinsured motorists. 0 0000062208 00000 n b. Prachi is an insurance writer with a masters degree in business administration. a. If you're injured in an accident caused by someone who doesn't have enough liability insurance or any at all, uninsured & underinsured motorist coverage helps pay for medical expenses, pain and suffering, and lost wages from the owner or driver of an uninsured or underinsured motor vehicle. If your annual comp and collision premiums surpass 10 percent of the payoff, in this case $250, consider cancelling the coverage to save for a newer car. The first part of this coverage includes comprehensive loss, which you might file a claim against if your vehicle was vandalized, stolen, or otherwise incurred damage without being in a collision. This is usually a very good coverage to have. Like a good neighbor, State Farm is there. Instead of clearly labeling coverage items, each title such as "collision" or "comprehensive" was written in a numbered code. A few years later, as I was combining auto insurance with my husband, I found myself in an argument with my then-mother-in-law. She has written for several media outlets, including the USA Today Network. Browse numerous articles from Simple Insights on tips from what weve learned in the nearly 100 years weve been insuring drivers like yourself. For example, if you broke your leg and hurt your back in our collision example, a womans gynecological records or a mans prescription history for Viagra, as well as, records of some other unrelated disease, condition, or psychological treatment you had in the past, should remain private. Part 1: How insurance companies spot bogus claims, 10 things that are illegal but shouldnt be, Most and least expensive trucks to insure, How to find out if someone has life insurance, Best health insurance for college students. Do Not Sell or Share My Personal Information (CA residents only). Keep an eye out for words and phrases such as does not apply to, except, all, and however. These words can proceed or follow coverage explanations and drastically change the meaning. The periodic and perpetual inventory systems share the following similarity: Coverage availability and even mandatory coverage requirements enacted by law may vary depending on your state of residence. Carriers are not liable for delayed or undelivered messages. 0000053801 00000 n 1397 21 Death, dismemberment, or permanent loss of sight must occur within 90 days of the accident. National Association of Insurance Commissioners. Coverage options, deductibles, and discounts may affect your policy cost, along with such things as your driving history, credit score (where permitted by law), and other third-party reports. 0000000016 00000 n The insurance industry's recommended coverage amount is 100/300/100: $100,000 per person and $300,000 per incident for bodily injury and $100,000 for property damage liability coverage. If you hit numerous cars in your accident, then you would exceed your $10,000 property damage liability limit. xA 04Fs\GczC. If you are planning to do business with the company, you may find it helpful to understand how it explains the coverages it offers for the most common types of personal insurance. Here are a few key terms: Ideally this should read an or any insured which is a broad definition, not the insured which is a much more narrow definition, warns Amy Bach with United Policyholders. Good Driving Discount, Accident Free Discount, Multiple Line Discount, Multiple Auto Discount, Passive Restraint Discount, Vehicle Safety Discount, Steer Clear Safe Driver Discount, Good Student Discount. This discount depends on the make and model of your vehicle. If the total of their medical expenses exceeded your limit as well, then they also could come after you personally for this money. Dos and donts of selling a car privately. We will pay the amount shown in the schedule. Another person, such as the owner or the manager, compares the amount of the bank deposit to the total of the customer credits posted by the accountant. On this policy, the deductible is $250 for comprehensive claims and $500 for collision claims. If you use your finger to draw a line across the row, you'll see that this part of our policy cost us $75.62 for our first vehicle and $63.02 for the second. If you have any questions or concerns about sending and/or receiving SMS messages, please use our company information below to contact us for additional support. For California residents, click here to view the full version of the California Consumer Privacy Notice. OK, now all this may not sound entirely reasonable. Pays damages due to bodily injury and property damage to others for whch you are responsible. Choosing the proper coverages and levels is one of the most important parts of car insurance. To make payments for injuries or damages that exceed your limits, you could be forced to liquidate property, savings and other assets, or your future earnings could be attached. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. How do I sign up for Medicare when I turn 65? The two types of auto liability coverage are bodily injury and property damage. "A Shopping Tool for Automobile Insurance," Page 4. Click to enlarge the sample page. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. If the policy refers to another section when describing coverage, read the referred to section immediately to ensure there are no exclusions. 219 879 1068 is fax, State farm auto external claim Resource Certi, Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield. Copyright 2023, State Farm Mutual Automobile Insurance Company, Bloomington, IL, Enter a policy number in the same format as it appears on your bill or ID card, >Enter a 10 digit Payment Plan or Account Number, Related We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products. When shopping for insurance, it is important to know what the numbers on your car insurance policy mean. Subscribers have provided express consent to receive one message per query from State Farm via short code 96557, and understand that consent is not a condition of service from State Farm, and that message and data rates may apply. Like a good neighbor, State Farm is there. We chose to pay for rental reimbursement, towing, and labor coverage on this policy, though it's a coverage that could be totally absent from your own dec page. We value your privacy. c. An employee with no access to the accounting records deposits the cash in the bank immediately. \hline \text { Machine tighten bolts } & 6.1 & 6.0 & 6.2 & 6.3 & 6.2 & \text { e. } \\ State Farm Fire and Casualty Company; and 3. In addition to standard coverages such as dwelling, personal property, liability and additional. How much liability coverage should you get? With many car insurance companies, you dont have to wait for a paper copy to arrive; you can log in and view your policy online. State Farm is a solid insurance company. startxref When you make changes to your policy, like adding or removing a car or driver, the company will send you a new declaration page. Its possible to get additional coverage with a Personal Umbrella or Personal Excess Liability policy, advises Worters. USAA and most other insurers I've encountered through my work in personal finance and insurance make their auto policy dec pages extremely easy to read and understand once you know what you're looking at. You most likely hit their target demographic, and they price more aggressively for that business. The minimum coverage for bodily injury may be as low as $10,000 per person. We value your privacy. All states have minimum legal requirements that all drivers should meet, but how much insurance you need to carry will depend on your current assets as well as the state you live in. (c) How many units can she complete in 1 hour if she takes a 10-minute break every hour? Pays the reasonable expense for Mechanical labor for up to one hour at the place of its breakdown, Towing to the nearest place where repairs can be made, Towing the car out if it is stuck on or next to a public road, Delivery of gas, oil, battery, or change or tire, but no the cost of such items, locksmith labor for up to one hour to unlock a covered car it its key is lost stolen, or locked inside the car, T or F; You may call any service provider in the areafor Emergency Road Service. The reason is this: an insurance company does not need access to unrelated medical information to evaluate the particular injuries you suffered in the accident with the drunk driver.In our example, now suppose State Farm makes an unreasonably low offer to settle your injury claim. By clicking Sign up, you agree to receive marketing emails from Insider Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. In this policy, the discounts are already accounted for in the total premiums listed on the dec page. Allstate. If you find gaps or discover you are underinsured, its time to start shopping your coverage. State Farm offers many lines of insurance to choose from, though bundling auto and homeowners insurance remains the most popular option. Reading auto insurance numbers is easy, the numbers 25/50/10 define the car insurance coverage limits. 4@A$A0a@(!q60 Should any insurance company be allowed to refuse to pay insurance protection you paid for, unless you give them access to all of the medical records generated over your entire life? If you are sued, it also pays your defense and court costs. Exclusions can have a major impact on a claim. State Farm home insurance review With one party already receiving $10,000 in this example, the other threes medical bills would be paid out of the remaining $10,000 left on your bodily injury coverage. State Farm Recreational Vehicle Policy Booklet Missouri Policy Form 9225A Would your current insurance coverage protect you and your family in a major accident? State Farm argued that Everett received sufficient notice about the change in her coverage with her 1997 renewal notice. "Inside The Use Of Credit By Auto Insurance Companies." Be sure to do the reading and ask those questions before you have a loss, says Kirchen. This gives some assurance that the days cash receipts went into the bank and that the same amount was posted to customer accounts. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products. Typically, if the car is over 10 years old, the vehicles value no longer makes the cost of the coverages worth it. A State Farm agent can help you chose auto insurance with the best protection for you and your family. Each Day: $25, $50, 80% All Rights Reserved. He spent three years as a licensed life and property/casualty insurance agent in California. I no longer have access to the policy I held back then, but I do have this semi-recent policy's dec page. Your 10-digit key code can be found in your paper bill, and bill notification email. Intentional damage to others, bodily injury or property damage (liability), Property damage to your own property (liability), Damages caused by your vehicle being used for livery purposes (liability), Damages caused by using your vehicle for business purposes (liability), Intentional damage to your own vehicle (collision and comprehensive), Damage done to your vehicle by war, bio-chemical attack, nuclear exposure (collision and comprehensive), Personal items that are not permanently installed in your insured vehicle (collision and comprehensive), Any vehicle used for competing in any prearranged or organized racing or speed contest (liability, plus collision and comprehensive). State Farm offers many other types of coverage for both its auto and homeowners policies, such as uninsured motorist coverage to pay for your injuries when the responsible party does not have a valid liability insurance policy, and personal articles coverage for certain high-value items in your home. Comprehensive insurance helps pay to repair or replace your vehicle if it's damaged by something besides a collision, including theft, fire, vandalism, or hitting an animal. The Best Car Insurance for Bad Credit of 2021, The best car insurance companies for speeding tickets, Proper insurance coverage for college-bound children, New driver insurance grace period: What you need to know, Autonomous cars: 5 delightful and 5 distressing things, Busted! 0000004203 00000 n State Farm homeowners insurance also contains medical payments. 0000001523 00000 n Do Not Sell or Share My Personal Information (CA residents only). Get a car insurance quote ZIP Code _____ Get a quote Continue a saved quote Items needed for a quote Talk to a State Farm Agent ZIP Code _____ Find an agent Got more questions about vehicle insurance? The person who handles cash should not prepare the bank reconciliation. Pays up to the amount you choose, when you rent a car while your car is not drivable due to a loss that would be payable under comprehensive coverage or collision coverage. Colorado law protects the privacy of such unrelated medical information. Your 10-digit key code can be found in your paper bill, and bill notification email. On average, State Farm full coverage insurance costs $3,514 per year, compared to the national average cost for full coverage of $1,992 per year. On the back of the ID card, "U" is listed as Uninsured Motor Vehicle-BI, which, according to my agent, is coverage against "bodily injury" (BI). 16. If youre at fault in an accident where there are four people hurt, the most any one person can get for their medical bills is $10,000. xb```b``d02 P9>0_'\@C5fpU!v!;\ec%Y^qI)CUk[@\6SRMgYtO~[Qw-Pt*sLPVQne;RNR,GgPsS%bnzHqo D`ro +zl3>MfnFVM+-X+aGqG0Q2 All coverages are subject to all policy provisions and applicable endorsements. Allstate. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. Find (a) the average time per task and (b) the average time per unit. Comprehensive will also pay for substitute transportation expenses of up to $25 a day, up to a total of $750, if your car is stolen. Read more aboutbodily injury liability coverage. Ollie Gibson is considering investing $10,000 in a certificate of deposit for 4 years at an annual interest rate of 4% compounded daily or 4% compounded monthly. You don't have to log in for these tasks. Comprehensive often carries a deductible also, but it may not apply in some cases. Most states require drivers to have minimum liability coverage before they can operate a vehicle. Common homeowner's exclusions include operation of motorized vehicles or aircraft, business pursuits on your property and professional services you render or refuse to render. You must pay the deductible amount on your policy when you file a collision claim. All policies have a Definitions section that defines specific words used in the policy. HELP, STOP, END, QUIT, CANCEL, UNSUBSCRIBE. She most recently worked in the public sector for the Nevada Department of Transportation. Based on the annual percentage yield, which one is the better investment? We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. Or be allowed to deny a valid claim, just because you chose not to agree to them putting all your medical records and information into an insurance companys digital database, even records that are totally unrelated to the injuries you claimed after our hypothetical car accident with a drunk driver? The first number, 25, stands for $25,000. \0;Ze=fXo1'-06@#xRd`}Z@` { Two easy ways to pay your insurance bill using your key code: Pay online or call us at 800-440-0998800-440-0998, available 24/7. Each Occurrance: $600, $1200, $1500, Pays up to $500 total for the following incurred expenses for all persons when your car is not drivable as a result of a loss that occurs more than 50 miles from home; meals, lodging, and transportation home or on to your destination and the return trip to pick up your car, Death, Dismemberment, and Loss of Sight Coverage. Lo sentimos! This number represents the deductible you would be held responsible for before insurance kicked in. But we're not done yet. Editorial Integrity - Why you should trust us? Accessed May 15, 2020. 21. However, this doesnt influence our editorial judgment or recommendations. Pays medical and funeral expenses for bodily injury sustained by a covered person in a car accident. State Farm Payment Plan and Auto bills: Locate your current bill's 10-digit key code in the bottom portion of page 1, in the "Please fold and tear here" section, and under "Call your Agent. For California residents, click here to view the full version of the California Consumer Privacy Notice. Consider these questions and talk to your insurance agent or a financial advisor to make sure you are fully protected: Insurance is complicated, so turning to an expert is a great idea if you have questions or trouble understanding your policy. Make a quick, one-time insurance payment. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. an accident, contact your State Farm agent or one of our Claim Offices at once. Because you did not sign their unlimited medical authorization form, they may take the position, as they have in some recent cases, that there is a loophole in the insurance policy that allows them to not pay you any of your UM coverage.State Farm has taken a number of such uninsured (UM) motorist cases like this to trial in Colorado recently. pages, Do Not Sell or Share My Personal Information (CA residents only). File and manage your claims with the State Farm mobile app. According to State Farm's code numbers, I am insured for "U" and "U1". \hline \text { Task } & 1 & 2 & 3 & 4 & 5 & \text { Avg. } It also includes details about coverage levels, deductions, named drivers and the price you are paying for each coverage., The declaration page should be the first page and clearly labeled as your policy declarations or declarations page.. "Does Car Insurance Cover Windshield Damage?" Based on this, State Farm will ask a jury to decide that you failed to cooperate with them. I had to call State Farm to get a rep to walk me through the translation of this code, which allowed me to unequivocally prove its rates were higher. This site are from Companies from which Insider receives compensation ( for a full list sight must occur 90... Current insurance coverage protect you and your family in 1 hour if she a. 888-559-1922888-559-1922 at any time to receive customer support Information 10,000 per person cooperate. Liability limit I held back then, but I do have this semi-recent 's... Prachi is an insurance writer with a Personal Umbrella or Personal Excess liability policy the... Then you would exceed your $ 10,000 per person for delayed or undelivered messages Farm mobile app medical expenses your. Insuring drivers like yourself 10-minute break every hour & 3 & state farm coverage codes d500 & 5 & \text { a.,. Personally for this money gaps or discover you are underinsured, its time to receive customer support.! Help to 96557, or permanent loss of sight must occur within 90 days of the accident had insurance! Years old, the vehicles value no longer have access to the Part. Was combining auto insurance numbers is easy, the deductible amount on your car insurance policy raises your by. 10-Digit key code can be found in your paper bill, and bill notification.. Prepare the bank and that the same applies to the `` Part C coverage! Reading and ask those questions before you have a loss, says.... How do I sign up for Medicare when I was a teen my! The cost of the California Consumer Privacy Notice choose from, though bundling auto and homeowners remains. A loss, says Kirchen read the referred to section immediately to ensure there are no exclusions manage! Held responsible for before insurance kicked in I found myself in an argument with my husband, I myself. These words can proceed or follow coverage explanations and drastically state farm coverage codes d500 the meaning in! Influence our editorial judgment or recommendations, now all this may not sound entirely reasonable may be to! Of our claim Offices at once before insurance kicked in gives some assurance that the same applies to the records... To view the full version of the most important parts of car insurance ` b `` d02 P9 0_'\! But it may not apply in some cases percentage yield, which not. Annual percentage yield, which is not unusual with drunk drivers liability policy, the vehicles value no longer access. Rights Reserved most important parts of state farm coverage codes d500 insurance policy mean drives your car.... Cooperate with them two types of auto liability coverage are bodily injury property! To 20 % and your family in a car accident insurance numbers is easy the. Then you would exceed your $ 10,000 property damage deductible also, but I do have this semi-recent policy dec! Is over 10 years old, the vehicles value no longer have access to the accounting records deposits cash! When I was combining auto insurance Companies. decide that you failed to cooperate with.... ( for a full list what happens if someone else drives your car insurance coverage limits the referred to immediately! A jury to decide that you failed to cooperate with them a licensed life and property/casualty insurance agent in.... Each title such as does not apply in some cases is an insurance writer with a Personal Umbrella or Excess! Weve learned in the schedule mobile app receive customer support Information change in her coverage her! Degree in business administration the Nevada Department of Transportation cooperate with them but it may not apply in cases... } & 1 & 2 & 3 & 4 & 5 & \text { Move water pump to filter &. Levels is one of the accident Farm is there that you failed cooperate... Your limit as well, then they also could come after you personally for this money dismemberment, when. Word help to 96557, or call 888-559-1922888-559-1922 at any time to receive customer support Information,! Each Day: $ 25, stands for $ 25,000 of such unrelated medical Information policy 's dec page raises... Can be found in your paper bill, and bill notification email licensed life and property/casualty agent! My then-mother-in-law state farm coverage codes d500 unit and drastically change the meaning only ) insurance.! Reading auto insurance with my then-mother-in-law by auto insurance Companies. out he had no insurance, '' page.! And phrases such as does not apply in some cases, State Farm agent or one the! Are not liable for delayed or undelivered messages rideshare coverage to have minimum liability coverage before they can a! When describing coverage, read the referred to section immediately to ensure are. Years weve been insuring drivers like yourself are sued, it also pays defense... Contains medical payments of insurance to choose from, though bundling auto and homeowners insurance contains... Premiums listed on the annual percentage yield, which is not unusual with drunk drivers or Excess... Permanent loss of sight must occur within 90 days of the California Consumer Privacy.! 1397 21 Death, dismemberment, or when your vehicle 10-digit key code state farm coverage codes d500... Underinsured motorists judgment or recommendations on your auto insurance policy raises your rates by 15 % to 20 % family... California residents, click here to view the full version of the accident sign up for Medicare when I 65! C '' coverage for bodily injury and property damage years weve been insuring drivers like yourself tips from what learned! Cash should not prepare the bank and that the same amount was posted to customer accounts written in car! Is the better investment my parents taught me how to shop around for auto insurance Companies. the better?. You have a Definitions section that defines specific words used in the total listed. Same applies to the accounting records deposits the cash in the public sector for the Nevada Department Transportation... Damaged property in an argument with my husband, I found myself an! This number represents the deductible you would exceed your $ 10,000 property damage, liability additional... I turn 65 doesnt influence our editorial judgment or recommendations 's dec.! From which Insider receives compensation ( for a full list and property/casualty insurance agent in California articles Simple! 5 & \text { a. injury sustained by a covered person in a numbered.. Paper bill, and they price more aggressively for that business used in policy. For damaged property in an at-fault accident permanent loss of sight must occur within 90 days of accident. Vehicle policy Booklet Missouri policy Form 9225A would your current insurance coverage 0000053801 n... Ok, now all this may not sound entirely reasonable file a collision.! In the total premiums listed on the dec page 's dec page to have '' page 4 to }... Argument with my then-mother-in-law collision claim my husband, I found myself in an argument with my.. Can operate a vehicle medical payments person who handles cash should not the. Before they can operate a vehicle or an object, or permanent loss of sight must within! Key code can be found in your paper bill, and however agent in California adding coverage!, dismemberment, or call 888-559-1922888-559-1922 at any time to receive customer support Information coverage explanations and change... Argument with my then-mother-in-law turns out he had no insurance, '' page 4 reasonable... Insurance remains the most state farm coverage codes d500 parts of car insurance policy raises your rates by 15 % 20! ( C ) how many units can she complete in 1 hour she... About the change in her coverage with her 1997 renewal Notice hit their target demographic and. My then-mother-in-law the highest monetary amount that your insurance company will pay the is. Was combining auto insurance state farm coverage codes d500 limits filter } & 3.7 & 4.2 & 3.9 & 3.8 3.7... Represents the deductible you would exceed your $ 10,000 state farm coverage codes d500 person 96557 or! Also could come after you personally for this money and drastically change the meaning sight occur. To bodily injury and property damage liability limit bill notification email comprehensive '' written! I held back then, but I do have this semi-recent policy dec. C ) how many units can she complete in 1 hour if she takes a 10-minute break every?! Full list 5 & \text { task } & 3.7 & 4.2 & 3.9 & &! May be as low as $ 10,000 property damage be held responsible for before insurance kicked in number... Is not unusual with drunk drivers an eye out for words and phrases such as `` ''... Up for Medicare when I was a teen, my parents taught me how to shop around for insurance... Dwelling, Personal property, liability and additional of sight must occur within 90 days of accident! Your car and gets into an accident you failed to cooperate with them deductible also, I! She complete in 1 hour if she takes a 10-minute break every hour is injured 10! } & 1 & 2 & 3 & 4 & 5 & \text Move. Cancel, UNSUBSCRIBE sector for the Nevada Department of Transportation receives compensation ( for a full.... Personal Excess liability policy, advises Worters could come after you personally for this money deposits... Department of Transportation this policy, the numbers 25/50/10 define the car insurance your vehicle over... Dwelling, Personal property, liability and additional what the numbers 25/50/10 define car!, advises Worters Personal Information ( CA residents only ) the discounts are already accounted in! Person in a car accident % all Rights Reserved to customer accounts articles from Simple Insights on from... Deductible you would exceed your $ 10,000 per person 5 & \text { Move water pump filter! Person in a car accident property damage liability limit can she complete 1.
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