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A bit of general advice... if you deal directly with the insurance carrier of an "at fault party" they'll often offer you a very low-ball "get your money right now" deal.



They may even call it a "partial" settlement make vague promises about more $$$ to come later once everything settles out.



Don't fall for it. They're just trying to take advantage of people who are either desperate or foolish.



Don't cash any checks or sign anything until you have a full agreement on what the final settlement will be.
 
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