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i think it's necessary to get an aertotny period. even if you do not want extra for pain suffering, if all you want property and medical taken care of. the insurance company will try to get a statement from her which will make their client look less culpable somehow. (do NOT consent to let them record the conversation!) they will use this to balk at doing what is right. so unfortunately you really must get an aertotny and let them deal with. if the insurance co. calls don't answer any questions, just refer them to your aertotny.
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