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At first blush, some auto insurance claims may seem like nothing special. An insured claims his car was hit by a driver who fled the scene. He didn’t catch the license plate number, but he thinks the car was a white, mid-size, older model. You pull up his file and see this insured has had a string of bad luck lately and this is his third accident in 18 months. A previous accident did not involve another vehicle and the other involved a deer.

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