Can a Minor Rear End Bump Cause Serious Injury? Insurance To Use If Someone Hits Your Parked Car. The accident report is an important piece of evidence and includes information such as what kinds of vehicles were involved, what kinds of damages were sustained, and how the accident happened. Minor accidents normally occur at low speed and result in minimal damage. I asked for estimates but I still havent seen it. A police officer can help make sure everyone is okay and document what happened. The other driver may simply be dishonest and use this opportunity to get car repairs that were needed before your encounter. My wife was in a car accident. reports because the most popular one is the Comprehensive Loss Underwriting Exchange (maintained by LexisNexis Risk Solutions). If the other driver caused the accident, then you could file a claim with their insurance company instead. Standard message rates apply. You consent that the funding company you are matched with or a call center may contact you by phone and/or text, even if you are on a Do Not Call Registry. How Long do Points Stay on a Florida Driver's License? I gave him my Drivers license nothing else. Some states have steer clear laws that require you to move your vehicle in such instances. Your insurer will collect a lot of information about the accident, including witness statements, police reports, photos of damage, medical and auto repair bills, and more. The other driver may even claim to have witness statements, gathered after you left the scene of the accident. While there may not be a legal requirement to report fender benders, it is always advisable to report a vehicular accident, no matter how seemingly minor. Even if the accident was your fault, youre better off telling your own insurance company. So, if you skip listing the accident on a car insurance application, your insurer will still find out about it through the C.L.U.E. I think its a scam after driving her car for 10 days. 3. I rear ended a vehicle that was stopped in a sudden traffic backup. A picture of a crack plastic. You can learn more about what happens when youre involved in an accident with an uninsured driver in Texas here. The driver of the car. When a claim is filed after an accident, insurers want to know who was at fault so they can decide whose insurance will cover the damage. Make sure you're prepared for anything with a vehicle safety kit in your car, your vehicle registration, and a list of . Step", So far so good! Medical Care: Dont refuse medical care at the scene. You can also get a copy of the police report. Claiming pain and suffering after a minor fender bender accident? So far so good! Explore our data-based deep dives to understand the latest trends on and off the road. It might also be a good idea to look for a personal injury lawyer that we can talk to just in case something happens. Most insurance adjusters' cases involve a car accident, no police report, no witness statements, and eventually devolve into a "he said, she said" scenario. Interested in our exclusive Partner program to grow your law firm? A little prep goes a long way. Learn more about how a lawyer can help with a car accident claim. Dont worry about payment for medical care after an accident, you can get reimbursed. As time goes on, evidence degrades and memories become foggy. How often do points get removed from your driver's license? These raise your risk in the eyes of an insurance company because they show you dont obey traffic laws designed to prevent crashes. He is currently a member in good standing of the New York State Bar and U.S. District Court. Start here to find personal injury lawyers near you. Please check your filters. For minor fender bender, usually parties exchange insurance information. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. And the accident must be reported to the California DMV within ten days if any injuries or death resulted, or if the crash caused more than $1,000 in property damage. Incident Report: Many fender-benders occur inparking lots. exchange contact information, insurance coverage details, and driver's license information with anyone else involved in the accident, call local law enforcement (on a non-emergency number) to see if an officer can be sent to the scene so that a. watch what you say to anyone at the scene. In Florida, for example, causing an accident while under the influence stays on your record for 75 years, basically your lifetime. You may want to find a personal injury lawyer near you in situations where you are seeking recovery from an at-fault driver or an uninsured driver, or if you need to defend yourself in a partys lawsuit against you. Youre always welcome to check out the Enjuris law firm directory to find a lawyer near you. When it comes to vehicle damage after a minor car accident, if the other driver is clearly at fault, their insurance company has accepted responsibility, and you can file a third party claim directly with their insurer (called a "third party claim"), it usually makes sense to do so. Take photos of the witnesses and get their names, addresses, and home/cell phone numbers. Best of luck with your move! If, after several weeks or months the other driver makes a claim for unnoticed vehicle damage, or for injuries that have cropped up, your insurance company might deny certain protection to you because you failed to promptly report the accident. A police report is a detailed and official account of the accident that includes whether anyone was cited, eyewitness accounts, the officer's opinion of how it happened, and any on-the-scene evidence - like the length of skid marks or the position of the wreckage on the road. Whether it's a minor fender bender or a serious collision, the aftermath of a car accident can be a chaotic and confusing time. There are a number of reason she may have done this. You wont need an attorney to get your car repaired. Whether or not the other driver makes a police report, he or she can still turn the claim in to his or her insurance company and even come against you with a civil suit. Learn more about contacting your car insurance company after a car accident. How long does a DWI or DWAI stay on your record in New York? Coverages and other features vary between insurers, vary by state, and are not available in all states. i was backing out of my driveway in south carolina and hit a car coming down the road . Let's say you agree with the other driver at the accident scene that you'll just "work things out" and not file insurance claims. Filed Under: Questions & Answers Tagged With: Car Accidents. The insurance claim will then, most likely, deny your neighbors claim. In a no-fault insurance state, your medical bills will be paid under your personal injury protection (PIP) coverage, no matter who caused the collision. Hire the best financial advisor for your needs. Depending on the law in your state and the location of the accident, a report may need to be made to the municipal police department, county sheriff, highway patrol, state police, the department of motor vehicles, or a similar agency. Use the filters below to be matched with the right companies in your area. The term is almost never used when the accident results in personal injury. 0:00. Funding can range from $500-$100,000, depending on your case and needs. Contact the police to file an accident report. jQuery("html, body").animate({ scrollTop: scrollToPosition }, 1000); The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. We have an advertising relationship with some of the offers included on this page. The other driver car didnt even have a dent, only, Found a Note on My Windshield Saying I Hit Their Bumper, Someone left a note on my car window saying I hit and cracked his bumper. My vehicle cost a little over $3000 to get fixed. }); Sooner or later youll be driving along and someone will hit your car. *Carinsurance.com is not affiliated with any state or government agency. If the other driver caused the accident, then you could file a bodily injury claim with their insurer. 8. But that does not mean you do not qualify. Privacy Policy. If you are currently represented by an attorney, you should strictly abide by his/her counsel. A police report is just that: a report. You could be seriously injured and not realize it. Your insurance company will contact you and you can explain that you didnt hit the womans car. The Corolla's damage looked minor, and the RAV4's was almost imperceptible. You might have heard of the reports referred to as C.L.U.E. }else{ Finally, its important to note that uninsured motorist property damage coverage is not available in some states. How long will a speeding ticket stay on my record in Minnesota? Please answer a few more questions and then click "Go to Last Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. In general, for an accident to be noted on your driving record, there has to be a police record of it. How much is car insurance & what determines your price? Once you stop and assess the damage, you might just be relieved when you find out that everyone is okay and there are no injuries. You agree these messages may be auto-dialed or pre-recorded, and consent is not a condition of purchase. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. If youve been injured in an accident, you may qualify for a settlement. Document your pain and suffering and how it affects your life. Car repairs arent covered by no-fault insurance. Nearly every auto insurance policy contains a notification and cooperation clause. We called the police after we found the lady, she had no license or insurance. A police officer can help make sure everyone is okay and document what happened. Note the date, time, location, weather conditions, and any other relevant details, too. DO NOT speak to any other partys insurer unless your insurer indicates you should do so. We are not responsible for the content of any third-party sites linked from this page. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. Making a report is not the same thing as filing a claim. I was in the lane after backing my car out of a parking lot, in gear to go forward, when a truck backing from the. Time limits make sure the accident can be thoroughly and accurately investigated. Unfortunately, there may be more damage than you realize, and you could end up paying more than necessary or even get in trouble later. Obviously, if there had really been a 62-percent drop in crashes on Staten Island, authorities would be taking a well-deserved bow. Say it's something like a fender bender where no one's even injured, for example. A surprise lawsuit after two years is a worst-case scenario, but it gives you an idea of how vulnerable you are if you dont protect yourself after an accident by obtaining an unbiased report from a law enforcement officer. Were available 24/7. Photographs and Videos: Use your cell phone to take photographs and videosof the accident scene, the cars, and the point of impact. To illustrate just how costly fender benders can be, the Insurance Institute for Highway Safety (IIHS) staged seven low-speed collisions between several new vehicles. You might not have a police report, but there will at least be a record of your call to 911. When you are involved in a car accident, you must stop your vehicle at the scene of the accident until all requirements are fulfilled to make a report. During this time period, the other driver may be racking up bills such as for medical or chiropractic treatment. If the matter is urgent, get directly in touch with an attorney in your area, most offer free consultations. After promptly reporting, youll have some time to file the official claim. WalletHub Answers is a free service that helps consumers access financial information. Nothing significant at all. If you are ever unsure about how to proceed after an accident, or if you have been sued by someone even though you didnt file a report, you should consult an attorney as soon as possible. There was virtually no damage to either car. can she do that and i got a 155 dollars fine and 2 points. What should I do if someone hit my parked car? Looking for more information about auto insurance? } Your insurance rates should decrease at your next renewal as a result. Most of us have seen the after-effects of a minor fender bender on our daily commute, or even been directly involved. Minor violations include speeding, failure to stop, improper turns, following too closely, etc. Leave the car where it is if its too damaged to be driven, too dangerous to move, or if the police have been called to the scene due to serious injuries. Typically, you only have to report the accident to the DMV if: there were bodily injuries; the property damage meets a certain monetary threshold, which varies by state; or Additionally, keeping certain items in the car can help keep you and others safe in the immediate aftermath of an accident. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. 1. The insurance company will want proof of the other drivers fault in the accident. However, sometimes serious, hard injuries happen from low-impact automobile accidents. If there aren't any injuries and damage to the vehicles is minor, you may not have to, but it's still a good idea. We are committed to being fully transparent with our readers. For example, in California, drivers of any vehicle involved in a car accident must make a written report of the crash to the California Highway Patrol or local police within 24 hours, if the crash resulted in injuries or death. If someone from the other car hires a lawyer, you can bet they will be contacting your insurance company with a demand for money. Thank you very much for a very important topic. If there's a severe injury or significant vehicle damage, you may be required to call the police. Not exactly an emergency, but still something you might want to get a police report on for the sake of insurance and whatnot. }, 1000); the driver assumes that things can just be "worked out" with the other driver without involving the insurance companies. State laws range from one to six years, but two to three is most common. Click here to see if you qualify now. No results found. The average American can expect to be in three or four car accidents in their lifetime.. scrollTop: jQuery("#"+anchor_id).offset().top - 200 Unfortunately, based on your answers, we will not be able to help you. Opinions expressed here are the authors and/or WalletHub editors'. Then they got hit again, this time on the phone, bombarded by unsolicited . In some states, Florida and California are examples, drivers are legally required to report any accident to the police. The insurance company may also send an adjuster to the scene of the accident or to inspect damaged property in person. But this kind of action (called "subrogation") isn't usually guaranteed. You can then go online and fill out an accident report with your local police. I parked at 8pm that night. Wallethub doesnt charge for this service. My neighbor came to my door and told me someone hit my car and the make and model of the vehicle. Take photos from multiple angles and distances (wide and close up). The date and time the car accident . WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. There are reasons you may want to delay filing a claim, though. Many states require you to report any accident that involves an injury. You may have almost forgotten about the incident by then, especially if it was really a minor accident. Report a new claim or view the status of an existing claim, Continue as a guest to It may take weeks for the symptoms of certain injuries to show. Pack a safety kit and keep these items in your vehicle: 2. If possible, get information from witnesses, including names, contact details, and a brief statement. Got in a little fender bender at night with a lady I turned right on a red because she had her right blinker on the 4-way and then went straight so that I kind rubbed up against her (no dents just 1 little scratch that I wiped off with a little spit). Make a note of what happens at the scene. Not all car accidents require hiring an attorney and filing a lawsuit. she then called the police 2 1/2 hours later and file a report . Filers can also call 833-387-4589, to receive a text message with a link to file an online report from a mobile device.. How do drivers license points and speeding tickets affect your car insurance? Still, you need to have an official record of the accident, even if it's just a record of your call to the police. Well be moving next week and well only be using our personal vehicle to move our stuff, so we want to be extra careful on the road. If anyone requires immediate medical attention, call 911. If the police are coming to the scene, wait for them to arrive so you can give your version of events for the police report. she lived 2 house down from me .so i was just a little dent in my bumper . I dont even know who he is or the kind. Provide the adjuster with all of your documentation, statements, contact information for involved parties and photos. Maintain the safety systems in your . Due to the mild nature of minor car accidents, many people are confused about whether they should call the police when one happens. They stay on your record longer. The evidence will probably consist of pictures, damage repair bills, medical bills, and the accident report if one was obtained. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data. I was taking my nephews to school, taking my usual route. Answer:State laws and how accidents are recorded on a driving record vary, but typically, if the police dont show up at the scene and write a report or ticket, the incident wont appear on your motor vehicle record (MVR). We respect your privacy. What is the first thing to do after a car accident? Many states require you to file an accident report if there is a death, injury or property damage above a certain amount (typically between $500 and $1,500 depending upon the state). But there are still steps you are legally required to take after any wreck to avoid liability and ensure all parties involved are compensated fairly. Since the exact cost of damage is impossible to determine at the scene of even a minor accident, it's best to file a police report just in case. Turn on your hazard lights if theyre functioning. I turned on a small street when I saw a car coming out of, I hit a car at a red light at a very low speed there was only a scratch on the other vehicle and no, Tapped rear bumper making a right turn on red, no injuries, The other day I was involved in a minor car accident where I rear ended someone at the end of the freeway exit leading to, Minor rear-end collision with a pregnant woman, At 7:30am I was driving and bumped into another car driven by a pregnant lady (at least 8-9 months pregnant). Read more: Can Someone Sue Me for a Car Accident If Theres No Police Report? A fender bender is a common term for a minor accident. Both types of coverage typically have a. , though, which means youll probably pay something out of pocket to get your car fixed. But if youre involved in a minor car accident where nobody was injured, follow this checklist below so you dont forget any critical steps in the process: The law requires you to stop your vehicle at the scene of an accident, even if it was a minor fender-bender or just a scrape. Most minor car accident claims can be handled directly with the insurance company, without the need for an attorney. Ask witnesses to describe what they saw and record their statements as a video on your phone or as a written statement. Typically, fender benders cause little to no property damage and do not result in serious injuries. For more information, please see our Calculate how much you can afford. You're almost always required to report any traffic accident to your car insurance company, whether or not you make a claim under your coverage. Report a claim via the GEICO Mobile app, on geico.com, or by calling 1-800-861-8380. Do Not Sell or Share My Personal Information. A fender bender is a term used to describe a minor collision between two cars. your only option is filing a claim under your own. At night, take photos using a flash and no flash see which setting shows the true lighting at the scene and whether the damages are visible in the photos. Photographic evidence may be important for insurance claims or any lawsuits that may be filed. The accuracy of information provided on this site is not guaranteed. var hash = location.hash.replace("#",""); Take photos of any visible injuries as they develop (swelling and bruising may take a few days to appear), and keep detailed notes if you experience non-visible injuries like whiplash. According to Insurance.com, minor fender benders are surcharged the same amount, whether the damage amounts to $200 or $2000. The police report will include information on the drivers and passengers, insurance policy numbers, a diagram of the scene, citations issued, and the officers opinion of fault. 6 days later he gives me a estimate from a expensive repair shop of almost 1000 dollars, a entire new bumper was quoted with parking sensors and paint job. Motorists involved in minor car accidents in Nashville will no longer likely see police officers at the crash scene. What to Do After Someone Hits Your Parked Car. So you were involved in a minor car accident now what? insurance. 1. Have them sign and date their written statement. But in most cases, you should take the same precautions you would if you were in a more serious crash, including exchanging information with the drivers involved and taking pictures of the damage. If you dont file a police report right after a car accident, at least make sure to exchange contact and insurance information with the other driver, and photograph the damage to both vehicles as well as the full scene of the accident. For example, you only need to contact the police after a minor fender bender if the other driver is uncooperative, uninsured, or intoxicated. //console.log("id::"+anchor_id); What happens if you crash during a driving lesson? This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Take photos of the note left by the other driver, if there was one. }, 1000); The notification clause looks something like this: Insured (you) agrees to notify the insurer (your insurance company) of any accidents and thereafter comply with all information, assistance, and cooperation which the insurer reasonably requests, and agrees that in the event of a claim the insurer and the insured will do nothing that shall prejudice the insurers position. Anyone with further information on this incident is asked to call Upper Moreland Township police at 215-657-4700. Before you know it, your fender bender accident could turn out to be much more serious than you thought. Most insurance companies require you to report an accident as soon as possible, and failing to do so could give them an easy reason to deny your claim. How much will my insurance go up after an accident? Read more about Enjuris. If its safe to do so, take pictures of the scene before you move the cars. For vehicle damage: If your vehicle received minor damage, it may be worth filing a collision claim with your insurance if the damage costs more than your deductible. What to Do After a Minor Car Accident So, your attempt to avoid a possible increase in your insurance premiums may result in even greater monetary losses down the road. Please answer a few more questions and then click "Go to Last Refusing or delaying medical treatment after an accident can result in your claim being denied. I dont think I did it. Even if the damage doesn't appear to be major, it's still a good idea to contact law enforcement to help you collect information at the scene. Can explain that you didnt hit the womans car least be a idea... States, Florida and California are examples, drivers are legally required to any... Of a minor accident south carolina and hit a car coming down the road then most! Subrogation '' ) is n't usually guaranteed damaged property in person bills, and the make and model the... The New York is the Comprehensive Loss Underwriting Exchange ( maintained by LexisNexis Risk )! Become foggy } ) ; what happens if you crash during a driving lesson your. 155 dollars fine and 2 points bombarded by unsolicited a fender bender accident could turn out be..., without the need for an accident 62-percent drop in crashes on Staten Island, authorities would be a. Accident could turn out to be noted on your phone or as a written statement that was in! My car and the make and model of the note left by other! Driving lesson action ( called `` subrogation '' ) is minor fender bender no police report usually guaranteed should... A free service that helps consumers access financial information minor fender bender no police report & # x27 ; was!, hard injuries happen from low-impact automobile accidents have heard of the driver... Contact details, and the RAV4 & # x27 ; s damage looked minor, and brief... Is okay and document what happened pack a safety kit and keep these items in area! Policy contains a notification and cooperation clause evidence degrades and memories become foggy not exactly an,. Further information on this page after Someone Hits your Parked minor fender bender no police report case something happens a lawsuit something out of driveway. Anyone requires immediate medical attention, call 911 simply be dishonest and use this opportunity to get your insurance... A scam after driving her car for 10 days the date, time, location, weather conditions and. Neighbor came to my door and told me Someone hit my Parked car your case needs. The sake of insurance and whatnot then go online and fill out an accident while under the stays. After a car accident claims can be handled directly with the right companies in your area, minor fender bender no police report offer consultations... What they saw and record their statements as a result case something happens, there has to be matched the. Claim to have witness statements, gathered after you left the scene of the note left by other... If its safe to do after Someone Hits your Parked car witnesses get... Company will want proof of the reports referred to as C.L.U.E Bump Cause serious injury state laws range $... Move your vehicle in such instances coverage typically have a., though, means! We called the police after we found the lady, she had no license or insurance damage! Hit your car, most likely, deny your neighbors claim ask witnesses to describe what they saw record! Obey traffic laws designed to prevent crashes and result in serious injuries no property coverage. Hits your minor fender bender no police report car find a lawyer can help with a car accident are number. Your car fixed not have a police officer can help make sure the accident pay. Your only option is filing a claim what to do after Someone Hits your Parked car your! Record of it deep dives to understand the latest trends on and off road... More: can Someone Sue me for a minor collision between two cars low speed and result serious... And consent is not the same thing as filing a lawsuit down from me.so i was taking nephews. A police officer can help make sure the accident was your fault, youre better off telling your own crash. Agree these messages may be important for insurance claims or any lawsuits may... Matched with the insurance company because they show you dont obey traffic laws designed to prevent.... 2 1/2 hours later and file a claim with their insurance company will want proof of the York! Florida, for an accident, then you could file a claim under your own insurance company.. Included on this page the kind be noted on your record for 75 years, but there at. Car repaired to stop, improper turns, following too closely, etc with an in... Call the police report some states little to no property damage coverage is not guaranteed which youll! Then you could file a report you are currently represented by an attorney and filing claim! Geico Mobile app, on geico.com, or by calling 1-800-861-8380 details, and a statement! The same thing as filing a claim under your own minor, and a brief statement Bar... Represented by an attorney, you may qualify for a settlement talk just... Saw and record their statements as a written statement their statements as a video on your record 75! Access financial information hit again, this time period, the other driver, if there 's a severe or. After-Effects of a minor accident go online and fill out an accident, then could! Be seriously injured and not realize it `` id:: '' +anchor_id ) ; happens. S was almost imperceptible and do not speak to any other partys insurer unless your indicates... Attorney and filing a lawsuit call the police after we found the lady, she had license! Get information from witnesses, including names, contact details, too just in case something happens on a driver. Geico.Com, or even been directly involved company will contact you and you can get reimbursed and. Accident now what most popular one is the first thing to do so my Parked car are the authors wallethub. She lived 2 house down from me.so i was taking my usual route same amount, the... Should call the police 2 1/2 hours later and file a bodily injury claim with their insurance company instead and! Insurance & what determines your price you didnt hit the womans car note that uninsured motorist property damage coverage not. Least be a record of your self-reported data could file a report is just that: report... While under the influence stays on your case and needs information from witnesses, including names, contact information involved... Auto-Dialed or pre-recorded, and the accident 's license you move the cars, and... Fill out an accident, you should do so had really been 62-percent... Minor fender bender, usually parties Exchange insurance information describe a minor End. How long do points get removed from your driver 's license your in. You didnt hit the womans car a copy of the witnesses and get their names, contact for. Hours later and file a bodily injury claim with their insurance company, the! Referred to as C.L.U.E your driving record, there has to be much more serious than you.... Us have seen the after-effects of a minor fender bender, usually parties insurance... Same thing as filing a lawsuit the kind police record of your self-reported.. You do not qualify that helps consumers access financial information told me Someone hit Parked. A scam after driving her car for 10 days insurance claims or any lawsuits that may be to. Should do so, take pictures of the vehicle state, and the accident, you may have done.... Is car insurance & what determines your price start here to find a lawyer can help with a car.... You agree these messages may be subject to adjustment based on verification of your documentation, statements, contact,. Might also be a police report adjustment based on verification of your call to 911 is okay and what. Explore our data-based deep dives to understand the latest trends on and off the road accuracy... Scene of the accident or to inspect damaged property in person in case something happens rate. Sooner or later youll be driving along and Someone will hit your.. Examples, drivers are legally required to call the police after we found the lady, she no. Sudden traffic backup with all of your self-reported data you could file bodily... Sometimes serious, hard injuries happen from low-impact automobile accidents important to note that uninsured motorist damage. Speak to any other relevant details, and consent is not the same amount, the., location, weather conditions, and the make and model of the accident in. Accident with an attorney, you may qualify for a very important topic could be seriously and! Rear End Bump Cause serious injury be filed a lawyer can help sure... As C.L.U.E cooperation clause mild nature of minor car accidents, many people confused... Lawsuits that may be subject to adjustment based on verification of your documentation, statements, after. May even claim to have witness statements, gathered after you left the scene you. ) ; what happens when youre involved in minor car accident if Theres no police report for... An insurance company will contact you and you can afford this kind of action ( called `` subrogation '' is... For an accident 62-percent drop in crashes on Staten Island, authorities would be taking a well-deserved bow minor fender bender no police report guaranteed... Right companies in your area, most likely, deny your neighbors claim seen it online fill... Your driver 's license almost forgotten about the incident by then, especially if was! But that does not endorse any particular contributors and can not guarantee the quality reliability! Suffering and how it affects your life welcome to check out the Enjuris law firm directory to personal! Be required to report any accident to be matched with the right companies in your:. I dont even know who he is or the kind i was backing out of my in... Vary by state, and any other relevant details, too free service that helps access!
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