I've been in an accident - what now? If the accident involves another party, start by calling the police, you will need the report number to file your claim.
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Lawsuits are a thing, and they are here to stay. People will file suit at the drop of a hat these days. Most people carry and average of $100,000 per person and $300,000 per accident aggregate for other persons you may injure. But note, $100,000 is available per person. Those limits are not sufficient in this day in age for even average losses.