Posts Tagged ‘accident’
Saturday, June 25th, 2011
The material and possibly bodily outcomes of a car accident are sufficiently unpleasant and expensive, therefore it’s only natural to try to offset them if you can, namely if you have car insurance and if your negligence didn’t play a role in the crash, by filing a car accident claim. In this manner, you’ll be at least compensated in cash for your troubles.
There are various reasons for which you should file a car accident claim. Regardless of your claim being granted or denied, it’s your duty to prove you were innocent. Thus, if the other party files a claim, as it certainly can, you’ll be able to show it’s not entitled to any compensation and help your insurance company out.
And, of course, a granted car accident claim can take care of the damages to your car, more precisely of the repairs required, without your having to pay with your own money. At the same time, the insurance company of the party at fault will refund you for the diminished resale price of your vehicle and reimburse your rental expenses, because, presumably, you’d need some temporary vehicle to drive. You can also include in your claim the damage to your belongings found inside the damaged car and your costs for replacing them.
If you were also injured, a car accident claim is certainly of help. Who is to pay for your medical expenses or to support you while you are so sick that you can’t work? You are certainly entitled to compensation for the medical costs borne and for the wages you lost when unable to perform as usually. You can get a medical certificate specifying your injuries and time needed off work. Your employer can provide you with a proof of the wages you lost because of your incapacity for working. These two papers would be enough evidence for obtaining the lost wages compensation you deserve.
If your medical costs were really high, in proportion to your severe physical condition caused by the accident, you’ll need a specialist’s medical report supporting the treatment and related expenses, in order to get the compensation deserved. Anyway, the pain and suffering allowance is to be included in your claim. In short, you should file a car accident claim in order to make sure you can have the unpleasant financial, legal and emotional consequences of your car crash reduced to a minimum.
You have the right to receive compensations within your car accident claims if you are injured by an uninsured driver or even by a motorist who leaves the accident scene.
Tags: accident, car accident claim, car accident compensation, car accident compensation claim, Car Insurance, claim, compensation, legal claims
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Friday, October 22nd, 2010
When out driving you not only have to worry about road conditions but the other drivers on the road as well. You can be the most careful driver out there but it only takes one careless person to cause an accident.
Are you confident in your ability to file a traffic accident claim if you happen to find yourself in that situation? Have you reviewed your policy lately and made sure that you have enough? Are you covered by non owners insurance if you are in a collision in a vehicle that you don’t own?
If an accident you are involved in happens to have injuries then you need to be sure your insurance policy will cover that. Be sure before you find yourself filing a traffic accident claim that you have sufficient insurance to cover any situation.
If you don’t have enough insurance coverage to take care of you, your passengers, and others at the scene then you need to reevaluate your policy. If your policy doesn’t cover all of the damages or injuries then those injured could come after you personally for compensation. This might not only be the driver of the other vehicle but your own passengers or pedestrians involved as well.
When you put yourself behind the wheel of a vehicle, whether it be your own or a friends, you need to make sure that you are covered in any situation. This will protect you in the long run.
It is wise to keep your insurance policy and other papers organized and in a place that you and any other person covered in your policy can find it. Also carry proof with you in your wallet because this will help you out if you are driving a borrowed car belonging to someone else.
Some information that you want to be sure to take note of if you happen to find yourself in a wreck is the name and address of all person involved and at the scene of the accident. You can use witnesses if you have to go to court to get compensation for the accident. If you are able to call people in that were at the scene to speak on your behalf then you can strengthen your traffic accident claim.
Be sure to always wait for the police to arrive at the traffic accident even if there is no noticeable damage to either vehicle. You can run into a lot of problems if there is no police report filed at the scene and may not be compensated for any damages or injuries.
A police report is one of the strongest pieces of evidence that can help you win your case if it does go to court. Don’t believe anyone that tells you they will take care of your damages or injuries and asks you not to call the police. They may decide to take you to court and make your prove your case. This will be hard to do without a police report.
Review your policy today and make sure you have enough coverage. Don’t wait until you are filing a traffic accident claim to pull your policy out and read through it.
Before you purchasing an auto insurance policy you must know about non owners insurance and how to file a traffic accident claim.
Tags: accident, Automobiles, car accident, car accident insurance, car accident insurance claims, Car Insurance, insurance, legal, vehicle insurance
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Thursday, September 16th, 2010
No-fault principle vehicle insurance refers to insurance contracts under which the insured is indemnified for loss by his or her company without establishing who was at fault first. The main aim of this insurance is to reduce the cost of premiums by eliminating the litigation process over the cause of the accident. By introducing an aspect of simplicity motorists can be assured of receiving quick payments for injuries.
As you will realize, this type of insurance does not promise the involved parties, absolute justice as would be the case if they were defendants and plaintiffs in a common law practice. It provides average justice for everyone in motor vehicle accidents. The speedy justice is advantageous especially if you consider the economical angle.
It is important to note that no-fault insurance does not prevent a motorist from pursuing legal action against the defendant to recover additional compensation. However, the ability to sue is determined by different conditions such as the province in which the accident occurred. Some conditions have to be considered too in order to determine whether such an action will be fruitful. Theses conditions include total disfigurement, death and monetary thresholds. Some provinces also have regulations that only allow one to sue for economic loss and not pain and suffering.
One of the strong points of this form of insurance is the elimination of delays. However, this was not the main consideration when it was introduced in some parts of Canada including Saskatchewan. The main consideration at the time was the low percentage of drivers who had liability insurance.
Before you go for this type of insurance cover, there are certain things you should have in mind. First, you should realize that the term no-fault does not mean that you will never be at fault when an accident occurs. Insurance companies have to find someone at-fault fully or partly whenever an accident occurs.
The second thing is that when one is found at-fault, the occurrence is noted in your personal insurance records. This has a direct effect of hiking your insurance premiums since the insurer now classifies you as a higher risk.
One of the best things though about no-fault vehicle insurance is the standardization of the rules in fault assigning within a province. This means that all insurers use the same standards. However, different provinces apply different standards. A good example is that if you rear-end another car on an icy Ontario road, you will be at fault. This is because the fault determination rules in Ontario stipulate that drivers should consider road conditions while driving.
Lastly, the fault percentage is used to determine the deductibles you are required to pay. It is also good to note that not all provinces use the no fault principle vehicle insurance. However, all provinces have some degree of No-Fault Principle auto Insurance cover. These benefits mean that drivers, pedestrians and passengers killed or injured in accidents can receive compensation. This compensation normally covers loss of income arising from disability, medical expenses, rehabilitation, death and funeral expenses. This information should help you get a clear understanding of what no-fault principle Car Insurance means.
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Tags: accident, automotive, car, Car Insurance, insurance, insurance policy, lawyer, legal, premium, travel
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Monday, August 16th, 2010
It’s not a particularly difficult thing to understand, is it? Having some other car owner back their vehicle right into you and denting your SUV so that you can’t open its door, while all that they lose are their own taillights, although locating the bumper may be a tall order. But things don’t seem too bad when you get out of your car and he out of his; and he apologizes for being such a klutz and setting it all off; and you give him your insurance info, and he gives you his; and you both get back in and drive off. It is clear that he is at fault for the damage to your vehicle and he has kind of agreed to pay to have them repaired; yet wait for several days without hearing from, him so that you’re close to losing it but when your phone rings, you find out to your amazement – you have been sued!
It really looks simple enough, don’t you think? Maybe then, but certainly not at this moment; which is pretty much how it is when you think about auto crashes all over the United States – nothing is ever that simple. If you aren’t very careful here, you could lose the entire case and be found liable for the repairs to the other person’s car as well as yours, although at one time you presumed you could never be mistaken for the one at fault.
This would bode the question: can anyone remember them all? Truth is, you can’t; but at least your auto accident lawyer can. The American Institute for Highway Safety reveals that the states of California and Texas are respectively the first and second highest ranked in auto accidents and fatalities in this country. With 3,643 death causing car accidents and 4,078 resulting deaths in the former to 3,255 crashes and 3,725 deaths in the latter, there is little question here. You might therefore find it easy to believe that CA has more rigid traffic laws than all other American jurisdictions, reason enough for you to hire a fire breathing car accident lawyer and not try to handle the case on own.
Gillin Jacobson Ellis & Larsen is largely considered to be one of the better known law firms that manage personal injuries and car accidents in California; like the Henke Law Group too, California Auto Accident Lawyers for Northern Ca. and Southern Ca., who deal in Serious Injury Attorneys for vehicles and Motorcycle Accident, and cover the area of San Francisco, and that is only starting to count them off. Several others can be located and contacted through websites like autoaccidentlawyers.com, or with the aid of a proficient search engine.
It would help to introduce special approaches and ways of operating automobiles so as to lower the death rate caused by accidents, lower the incidence of car accidents, and lower the amount of assets that are damaged in the process; although I daresay someone or something would still have answer for the incidents that still take place nonetheless. If you are not the guilty party, you should not have to be the person to pay for it, and if you are, you should not pay more than you should. It really isn’t that complicated – without a lawyer you don’t stand much chance dodging the legal bullets and implications of an automobile incident in California.
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Tags: accident, attorney, auto accident, auto insurance, automobile accident attorney, business, car accident, car accident attorney, car accident lawyer, Car Insurance, finance, insurance, lawyer
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Saturday, July 31st, 2010
When you are involved in an auto accident, everything seems to happen so quickly. You may be partially injured and confused about what happened. It is therefore important to be familiar with what is expected and required of you should you be involved in an auto accident. This will help you follow the right procedures when you are in an accident.
Be Familiar with Your Auto Insurance Policy
When you take out an auto insurance policy, know what it covers. It’s important to know if it includes roadside assistance, towing or emergency medical assistance. Does your insurance company have a hotline number that you can call in the event of an auto accident? Most insurance companies will have stickers that you can place on your vehicle which feature this number. Most companies will tell you that the first thing you need to do is to call the hotline. Familiarize yourself with the claims procedure of your insurance company.
Immediately Following an Accident
Your capabilities will depend on the seriousness of the accident. Naturally, if you or your passengers are severely injured, it is more important to get medical assistance than to sort out your car. However, if the injuries are less severe then you need to stop and assess the situation. Is it safe to remain where you are? Consider that you may have landed in the path of oncoming traffic. Personal safety comes first so make sure you can avoid any further injury. Get out of the road if possible and take your valuables such as your wallet and cell phone with you. If other vehicles are involved, check that the people are okay before doing anything else. The first thing you should do is call your insurance company. The person at the call center will be able to give you advice and guide you through what to do.
What to Do if Other Vehicles Are Involved
Most cell phones have cameras. Take a photo of the accident scene and the license plates of all vehicles involved. Next, ask to see the driver’s licenses of the other drivers. Take down their details. This should include their identity or social security number and a home, work and cell phone number as well as an address where they can be reached. Get too much information rather than too little. Also, get the details of the other drivers’ insurance companies. You will need to give them your details as well. Make a note of any other factors that may have influenced the accident. There could be oil or debris spilled on the road, a burst tire or a pothole that caused a driver to lose control of their vehicle.
Leaving the Accident Scene
Generally, you should not leave the scene until the traffic officers have arrived and given their approval for you to leave. Sometimes, if it is a simple bumper bashing, traffic officials will ask you to move out of the road so you do not cause any further congestion or possible accidents. If the vehicle can be driven and you have the okay from your insurance company, you can then drive it home. Many times though it will need to be towed. Insurance companies generally contract specific towing companies and it is essential to get the insurance company’s approval to get the vehicle towed. Often, unauthorized towing companies charge exorbitant fees and then take it to their own repair shop where they charge you storage fees. If the insurance company has not given their approval, you could end up having to pay for this out of your own pocket. You must call and personally get the towing authorization and check the credentials of the towing company when they arrive. Don’t take the tow truck driver’s word that they are approved by your insurance company.
Submitting Your Claim
Most insurance companies will ask you to complete a claim form where you have to provide the details of the accident. Make sure you complete the form with as much detail as possible. Submit the photographs you took of the scene and the other vehicles’ particulars as well. Make sure that the information you provide is accurate to avoid any delays in settling the claim. If you are dealing with a broker, they can follow up on the claim on your behalf which will make your life easier.
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Tags: accident, auto, auto insurance, business, Car Insurance, family, Home, home business, insurance, vehicle
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Sunday, July 11th, 2010
Trying to get the lowest possible auto insurance quotes? Of course you are! Here are a few good tips to think about as you are looking at your coverage premiums. You can get better rates depending on your vehicle options, daily habits, group discounts and coverage amounts.
Your vehicle holds some keys to discounts. If you have front and side curtain airbags, back up sensing systems, or other NHTSA rated safety features, you will see reduction in your premium amounts. An older automobile costs less to insure, as does a family style vehicle such as a sedan or station wagon. A car that is less costly to repair or one that has a low likelihood of will also be cheaper on insurance.
Whenever possible, make low-risk life choices. Keep out of accidents to insure a safe driver discount. Avoid tickets for speeding, parking or other traffic related problems. Try to maintain a good credit score because the higher it is, the lower your premium can be. If you are a non-smoker, make sure the insurance company knows.
See if there are any discounts on your current policy you aren’t getting that you are entitled to. Often overlooked are military discounts, membership discounts and multiple policy discounts. Your agent may also offer a premium reduction by completing safe driver or defensive driver classes.
Employers and associations may receive group insurance options. Talk to your human resources department to see if they have something you could take advantage of. If you belong to a club of any kind, and don’t forget shopping clubs, they may also have auto insurance choices.
Look at the policy features that you need and want. Consider raising your deductible because the higher it is, the lower your premium will be. Be aware of the minimum liability coverage amounts for your state. If an agency is quoting a higher amount of coverage, you may be over insured and paying too much. Think about how much your vehicle is worth when choosing collision and comprehensive insurance amounts. If your car is only worth a few hundred dollars, it would not be necessary to have thousands of dollars in comprehensive insurance. Finally, make sure you aren’t paying for duplicate coverage on things like rental car insurance or towing service.
When you compare rates, remember all your resources. An individual local agent will work hard for you. Bring him or her your current policy or the best quote you have received and request a better one. Their motivation and experience will help ensure you are getting a good deal. Another hidden gem are the online search engines that allow you to get multiple quotes with only one form. These will give you an excellent base of choices.
Use these secrets to your advantage when obtaining future auto insurance quotes and you will have the confidence that you are well informed. There are other online resources ready and waiting to help you even more.
If you need to obtain auto insurance quotes right away or if you are looking for more good resources about auto insurance just visit this website: http://www.InsuranceQuotes.info
Tags: accident, auto, auto insurance, business, Car Insurance, driver, family, finance, Home, insurance, internet, liability, property, safety, vehicle
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Sunday, July 11th, 2010
Insurance is the concept that covers all aspects of your life. It generally happens that the people may land up with wrong decisions regarding the insurance quotes for their automobiles because of the fast pace in their life due to which they do not have time to search for the best cheap automobile quotes for them. If you are among those and now in search of the cheap auto insurance quotes then you need to take in some extra efforts for the process. Given below are some tips and method that can be used by the people to have cheap auto insurance quotes. Identify your requirement: automobile insurance plans are used to cover carious types of insurances. Different companies offer different insurance schemes for different automobiles. Like the automobile that may range from car, motorbike, scooter, bus, truck, minivan, etc, the automobile insurance plans may also widely. Insurance plans for car are very different from the insurance covers that are offered for motorbikes. Therefore, first of all it is very necessary for the customer to identify his requirement first.
Comparison Shopping: if you want to save a great deal of your money and want to make an intelligent decision then you need to do the comparison shopping. This requires some efforts but the results are long lasting. Different companies offer different policy rates for the same insurance plans. These plans are made on the capability of their customers. They determine in advance that what types of claims can their customers make and when. They also determine how much it is going to cost them. So the customers should also be smart and make the comparisons very intelligently.
Lower claim costs: companies offer insurance quotes on the basis of the claims and the risk involved. In the case of driving, they know that the risk of accidents with the individuals that are in their teenage is more, so they offer high quotes. Similarly in case when the car is too old, then they may offer cheap insurance quotes.
Take the benefit of the Discounts that are available: Besides the claim risk and claim size, there are various other discounts that can affect the cheap auto insurance quotes. There are many companies that may offer some kind of discounts to the individuals who have insurance for more than one automobile with them. This not only includes car but may also include your home.
Know the discounts that can be availed: different companies offer different discounts to their customers. This can be therefore another deciding factor if you want to avail for the cheap auto insurance quotes. These discounts vary from company to company. Customers that are regular are offered many discounts. Then those who take more than one insurance plans can be given many discounts. It is important for the customers to be well equipped with the knowledge about the discounts that are offered. If the customers take help of the third party websites to make the comparison then they may miss out the information regarding the discounts that are offered from time to time to various categories of the customers depending on the policy plan they opt for.
If you would like to obtain cheap auto insurance quotes now or if you are looking for more free information about cheap auto insurance just visit this website, click here: www.InsuranceQuotes.info
Tags: accident, auto, auto insurance, business, Car Insurance, driver, family, finance, Home, insurance, internet, liability, property, safety, vehicle
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Sunday, July 11th, 2010
Most of us wonder if we can truly get car insurance quotes online that are accurate. If you have a bit of knowledge and experience with the Internet, then all it takes is just a few clicks of the mouse. All reputable insurance companies have a web site where you can easily get a quote on your auto insurance. A few sites even offer multiple quotes from a variety of companies.
First of all, go to your favorite search engine and simply type in the words “Car Insurance”. A thorough listing of all the companies who offer this type of insurance will come up, including those who offer to give you many quotes from a wide variety of insurers.
This seems like the easiest way to get a broad spectrum of quotes, so we will go with one of those. After clicking on their ad, you will quickly find yourself at their home page. Look for the link that says Auto Insurance and the next page that comes up should be the questionnaire.
Next, you are taken to a form to fill out. Most of the information you are asked to provide is the standard stuff you are asked when speaking to a traditional insurance agent. They will want your name, address, phone number, age, and then some info about the auto or autos that you want to insure.
Next, the make and model of each auto is discussed, and perhaps even the mileage and license plate number. Sometimes an old automobile policy will contain the information you are searching for. It can save time to refer to your old policy on many of the questions.
The questionnaire will most likely ask for identical information on each auto you wish to insure, just as it asked for the same information on each licensed driver. It is important to answer these questions as thoroughly as possible.
Next is the driving history question. You must provide info about each licensed drivers in your home. It is important to give the most accurate information available. Otherwise, your quote may not be completely correct. Insurance companies always verify the information you provide with the Division of Motor Vehicles in your state.
A question that many drivers are surprised by is the one about your credit history. Yes, your credit rating will affect your auto insurance rates. This does not make sense to many drivers and we all wonder what our credit rating has to do with car insurance, but this is one of those things we cannot do much about. Again, it is in your best interest to provide an honest answer to the question.
As soon as you hit Submit, you will receive replies in your email inbox. Some companies will want to call you to discuss their rates and insurance products, but many will simply email your quote to you.
It is easy to get car insurance quotes online. There is little or no stress involved. Your only problem will be in choosing one of the great companies that contact you.
If you need to find car insurance quotes online right away or if you are searching for more in depth information about car insurance quotes just visit this website, click here: www.InsuranceQuotes.info
Tags: accident, business, car, Car Insurance, Car insurance quotes, driver, family, finance, insurance, internet, liability, property, safety, vehicle
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Saturday, July 10th, 2010
Many people who shop for insurance quotes are considered with one thing in particular. They want to get the quote that has the lowest possible price. This is naturally true when it comes to the world of auto insurance quotes. Such a type of insurance that maintains a high level of demand does exist in a market that is very competitive. We’ll examine the issue further.
One of the main reasons that auto insurance is in such high demand is because that their are many areas in most countries that require a registered driver to carry some form of it. This might not be such a bad thing when you consider who valuable this type of insurance is. Driving could be risky as most people do it on such a regular type of basis.
Many reasons are in existence to explain why auto insurance is sometimes quoted at prices that vary so greatly. Some drivers might receive an unbelievably low quote of a certain policy from some companies. While other drivers receive very high or unreasonable quotes from the very same companies. There are many reasons that such a thing happens.
One of the factors that is used by these companies to determine the price of a policy is driver age. The age of a certain driver might have a very large impact on the price of the quote that they are given. People who are very young or even teen aged might be considered as a higher type of risk and be given larger quotes. Typically the price of insurance is lowered considerably when a person reaches twenty five years of age.
The most important of all the factors that make this equation would probably have to be what kind of driving history a person might have. If a person has a driving history record that is very positive in nature they might get low quotes all around the board. People who have a very negative driving history record might find it next to impossible to get low quotes.
When people are on the market for auto insurance they typically notice that companies that operate primarily on the web have the lowest rates to offer just about any driver. This might be because these policies are sold directly on the web and there is no insurance agent to be a middle man of sorts. People who shop for insurance will always say that the web is the place to go if price is your primary concern.
There are so very many people who have discovered insurance on the web and swear that they will never go into another physical location to purchase it again. When they develop this type of mindset they might be cheating themselves of one valuable tool in particular. We are of course talking about the insurance agent that these places offer. These agents can be very knowledgeable and helpful at times.
People who are on the market for auto insurance quotes typically realize the process of shopping for this product is a very labor intensive one. Not only do most major cities have a variety of companies that you can meet with in person but the internet also has new companies popping up on a very regular basis. Always think about this as you search for insurance.
If you wish to find auto insurance quotes right away or if you are collecting for more good resources about auto insurance just visit this website: http://www.InsuranceQuotes.info
Tags: accident, auto, auto insurance, business, Car Insurance, driver, family, finance, Home, insurance, internet, liability, property, safety, vehicle
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Saturday, July 10th, 2010
Getting a car seems much easier than figuring out the right insurance for it which is not costly. The government does not make it any easier as it has different legal requirements in each state. There is also the question of choosing an adequate coverage over the legal requirements. A possible solution could be getting auto insurance quotes from various insurance companies.
There are many companies out there that proclaim they have the best insurance and you are interested in finding the least expensive which satisfies all your needs. This seems to be a daunting task, and you can make it easy on yourself by doing an online search for auto insurance quotes which will not cost you anything.
You will also find websites which quote the same type of coverage from the top ten insurance companies in your state. These quotes will give you a fair idea about the various policies but they may not be the best quotes as they are not tailored to your needs. It is better to go to the sites of individual insurance companies and fill in your requirements, so that you get quotes which are the most suited to your needs.
The information asked is usually the model of your car, the time you have been using it, driver’s age and your coverage requirements and other connected information. It is important that this information is accurate as any incorrect information will result in a mismatch between your needs and the policy.
While making your choice, cost of insurance should not be the only factor you consider although it is an important one. The other important factors are the type of insurance company and the type of coverage that they are providing. You need a well-known organization which has records of minimum litigation in settling claims and gives a good amount of deductibles.
Continuing an insurance of a particular a company can earn you a good discount. The more times you have renewed the insurance higher would be your rebate. So before you compare quotes make sure you know the discount your existing insurance company is willing to give you so that you have a more accurate picture.
Apart from online quotes you also have the option of getting a good deal from your local insurance broker. He will have knowledge of the different insurance companies operating in your area and will know the strong points of each company. Depending on your requirements he can match the related companies and give you different quotes.
A broker is a good idea if you are not so comfortable in choosing the correct coverage for yourself and need the advice and guidance. On the other hand if you have your coverage all figured out then directly dealing with an insurance company can work out more economical. As the company does not have to pay any commissions, this amount may get passed on to you as certain discounts.
If you need to find auto insurance quotes today or if you are searching for more good resources about auto insurance just visit this website: http://www.InsuranceQuotes.info
Tags: accident, auto, auto insurance, business, Car Insurance, driver, family, finance, Home, insurance, internet, liability, property, safety, vehicle
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