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A woman is driving home after a late night at work down a remote road on a rainy night.  She is traveling at a safe speed because the roads are wet and visibility is poor. Suddenly, she sees a large deer in the road; she naturally reacts to avoid the collision. She swerves, loses control, and hits a tree. She is OK, but the car cannot be driven. Miles from help, she is dazed from what just happened. Her best option is to find her cell phone and call for assistance. This is the time that her insurance company can step up to deliver on customer service. 

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