While just about every licensed driver will be involved in at least one or two accidents over the course of a driving lifetime (with the "average" driver turning in an insurance claim about every 18 years), the process is never a pleasant one—particularly if you're injured as a result of someone else's negligence behind the wheel. Unfortunately, insult can often be added to this injury if you find that the at-fault driver was engaged in the commission of a crime at the time of your accident and his or her insurance policy is refusing to make an offer of settlement or disclaiming responsibility for any eventual monetary judgment.
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