Several months ago I was driving home from the store when I saw two men who had been riding bicycles punching and kicking a third man who was down on the ground next to his car at an intersection. Other cars drove by, but either no one saw what was happening or they didn't bother to stop.

I pulled up and got out of the car with my cellphone video turned on, prepared to enter into the fray if they didn't stop beating the man. Fortunately the physical abuse stopped, but not the verbal attacks.

I called the police, who responded with a helicopter and four squad cars in a matter of moments. I gave them my statement, handed my card to an officer and the victim's wife, and left the scene.

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Patricia L. Harman

Patricia L. Harman is the editor-in-chief of Claims magazine, a contributing editor to PropertyCasualty360.com, and chairs the annual America's Claims Event (ACE), which focuses on providing claims professionals with cutting-edge education and networking opportunities. She covers auto, property & casualty, workers' compensation, fraud, risk and cybersecurity, and is a frequent speaker at insurance industry events. Contact her at [email protected]