car insurance claim settlement ratio

Once the police submit the no-trace report, give the insurance providers the required documents and forms. Oriental Insurance is at top with 92.71% and New India Insurance with 91.99% claim settlement ratios. Insurance Type. Once these have been checked and assessed the insurance company will issue the reimbursement to the nominee of the deceased. You will need a copy of the document for filing the claim. Following are the top five car insurance providers in India according to their claim settlement ratio: IFFCO Tokio General Insurance: 95.30%. No documents are required for availing of add-on covers in car insurance. Acko Insurance Company is one of the few general insurance providers in India which offers its services only through the online medium. 3. Seamless claim settlement. Happy to Help you 7551196989 Home This way the death claim settlement ratio is said to be 90 percent as the remaining 10 percent insurance claims are rejected by the insurer. This plan allows the transfer of No Claim Bonus ( NCB) from the other company on renewal with Royal Sundaram Car Insurance Plan Online. For e.g. Max Life Insurance Company Limited. For each key line item, the authors: - review accounting principles - discuss implications for earnings quality - evaluate the susceptibility of the item to manipulation - describe analyses and red flags which may inform on the item's ... It is valuable to us in developing our services further. The "NWCG Standards for Interagency Incident Business Management" assists participating agencies of the NWCG to constructively work together to provide effective execution of each agency's incident business management program by ... The same rule applies when you are compare or renew car insurance plan. View Honda City 4th Generation Insurance Quotes, View Toyota Innova Crysta Insurance Quotes, Honda City 4th Generation Insurance Quotes, Tips To Claim Car Insurance Damage Beyond Repair, Reasons for Rejection of Car Insurance Claims and How to Avoid Them. 86%. Know ️Process ️Ratio & ️FAQ. In such a case, you pay for the repairs from your pocket and later submit the original bills, payment receipts, etc. The higher the ratio, the lower the chances of claim rejection. You, thus, request ACKO to take the necessary actions. Negotiate Your Terms and Demands: If you are not convinced with the offerings or compensation provided by the insurance company, bargain for your demands before reaching the final amount. Policyholders are required to submit the documents to the surveyor when the vehicle is at the garage for repairs. Found inside – Page 818In discussions with insurance actuaries , TAA personnel have repeatedly ... to an occupant of a car in settlement of his tort claim , or in satisfaction of ... Available. You can get a flat discount of 50% when you do not raise any claims for 5 consecutive policy years. It is always good to go with an insurance company with a high claim settlement ratio. At ACKO, we endeavor to embrace the best practices while settling the claims. *The above-mentioned premiums are suggestive and may change basis terms & conditions. Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages Found inside – Page 110The servicing companies agreed to a settlement , negotiated under the auspices ... the ratio of BIL to 100 PDL claims increased from 17.5 to 21.0.84 Medical ... A copy of PAN Card (if the claim amount is more than Rs. To fulfil the customer's needs, Tata AIG provides various insurance products. Found inside – Page 12519The percentage of total economic loss by kind is indicated below : % of Total ... loss was also compensated by sources outside the auto insurance system . Claim settlement ratio (CSR) is the most important factor to access the credibility of the insurer and its capacity to remit claims. You just pay the deductible amount and the rest is taken care of by ACKO. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. The documents required may vary according to your insurance provider and situation, make sure to clarify what you are required to submit when contacting the insurance provider. One can choose for voluntary deductible of Rs 15000/- and get 35% discount on Own Damage Premium with subject to a maximum of Rs 2500/-. Claim Settlement Ratio. There is no restriction on the number of claims you can make... Want to maintain safety while driving cars on the roads? Out of 5,00,000 claims made by customers, an insurance company settles only 4,00,000 claims, the health insurance claim settlement ratio comes to 80%. The police will try to trace your vehicle until 90 days after which the police will issue a non-traceable report for your vehicle. The company has a good claim settlement record with its customers. Hence, it is a good idea to avoid raising a claim for minor damages. Claims Settlement Ratio is the ratio of all death claims that are approved by the insurance company to the total death claims it has received from nominees. The additional covers that you get on the Comprehensive Plan are known as Add-ons. If you do not make a claim in an active policy year, you get a No Claim Bonus. You can avoid making small claims. Higher the CSR, the greater are the chances of settlement of a claim. Chief among them is the risk of accidents and the ensuing costs of repairs. 89.83%. The proportion of the claims that is approved or settled against the total number of claims that the life insurance company had received, is termed as the 'Claim settlement ratio' (CSR). Meaning, your premium reduces by Rs 2,000. This discount can scale up to 50 percent if you don't raise any claims for five consecutive years. While doing so, our effort is to continuously make all the information visible that can help our policyholders and prospective customers. A car insurance claim can be settled in either of the two ways: If you get your car repaired at a garage authorised by the insurer then you enter a cashless claim settlement process. These offer overall protection to your car from losses/damages thereby compensating and protecting you from paying high claim costs. Found insideIt will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. % Claims settled in^. Also, claims for minor damages are paid out in less than 2 hours. Citizen Health Insurance, Pradhan Claims Settlement Ratio. The following formula is used to calculate the claim settlement ratio - Claim settlement ratio = (number of claims paid during a financial year / total number of claims made on the company in the financial year) * 100. Read this post to learn how to file car insurance claim after an accident. In 2018 the average auto liability claim for property damage was $3,841; the average auto liability claim for bodily injury was $15,785. The claim amount is determined concerning the Insured Declared Value (IDV) of the car and the type of car insurance policy bought. Now, the repairs cost you around Rs 3,500. Bharti axa Car insurance. As a user, you would still want to check on how many claims a company is settling from the total claims that it receives. Please note that this includes Private Car, Two Wheeler and Commercial Vehicles. Life Insurance Corporation of India. Found insideThere are two basic types of auto insurance policies which you can pick: ... Besides the claim settlement ratio, here are a few other things to check before ... #Applicable on non-inspection cases i.e. Claim Settlement Ratio. Surveyor submits an assessment report of the damage to the insurance company for claim settlement processing. The claim settlement ratio of different car insurance companies for the FY 2019-2020 is as follows -, (Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 5h Edition). Needless to say, a lower claim settlement ratio is undesirable. Stay stress-free with ACKO's car insurance great settlement ratio! Higher claim settlement ratio points towards a fair and efficient claim settlement policy of the company and ensures a stress-free policy term for the insured. Original driving licence along with a copy. When you are comparing life insurance policies, do keep the claim settlement ratio of the insurance companies in mind. Damages to Third-Party. Our plans help you to secure your car from any untoward event, be it your own car damage or . The insurer makes the payment to the garage directly subject to the claim amount. The automotive industry appears close to substantial change engendered by “self-driving” technologies. The process where a car insurance policyholder requests the insurer to compensate for the damage incurred by him/her caused by an accident, theft etc. Step 4: After the required documents have been submitted the insurance provider. Given below is the latest Claim Settlement Ratio of all life insurance companies for FY 2018-19, as released by IRDAI. *Please note that the top 10 car insurance companies mentioned above have been ranked based on the number of claim settlements and policies sold till 2017. Duly signed Satisfaction Voucher (SV) or Discharge Voucher (DV). In this process, the policyholder does not have to pay any money to the garage authorised by the insurer for the repair, and the insurer directly makes the payment. The remaining 4% rejected by the life insurance company. Under this process, the policyholder makes the payment for the repair cost at the garage of his/her choice and gets the repair cost reimbursed from the insurer later subject to the claim amount. HDFC Life Insurance Company Limited. Car Insurance Companies in Claim Settlement Ratio - Currently, there are as many as 25 general insurance companies authorised by the Insurance Regulatory and Development Authority of India (IRDAI). Add-on covers on Iffco Tokio Car Insurance On road protector coverage- This add-on can be purchased by both new and existing policyholders for an additional premium.When the insured party's car breaks down during an unfortunate event or meets with an accident, this cover provides on-the-spot assistance if the distance of the accident spot is within 100kms from the workplace or residence of . Create and Maintain Records: Maintain the records of the accident with medical bills, car repair invoice, bills, FIR copy, etc., to explain the event correctly, which can expedite the process. However, this would be the rarest of the rare case. All are good insurance companies. Insurance is actually all about claims. A Claim Settlement Ratio of an insurer represents the total number of claim settlements against the total number of claims registered in a financial year. We assure that you not only enjoy your city drives but long rides too. total loss, the insurer will provide you with the IDV of the car after deducting the applicable deductibles. Claim Settlement Ratio. Found inside – Page 50The inner limits for property damage claims are rubles 160 000 (USD 5 400) in ... RAMI attempted to estimate the ultimate loss ratio of motor TPL insurance. Who are the insurance companies that settle car accidents? Universal Sompo follows a quick and hassle-free procedure for both cashless and reimbursement claims. Unlimited Liability for Personal Damages, Up to 7.5 Lakhs for Property/Vehicle Damages After the claim has been successfully registered, the insurer will assign a surveyor to you who will assess the extent of damage/loss sustained by the insured car or will send you a self-inspection link on your registered mobile number. The CSR is beneficial to understand the willingness of the insurer to provide the funds when the need arises. The health claim settlement ratio of the insurance company is 93%, which means that the capability of the insurer to settle your claims is quite good. Coverfox Insurance Broking Pvt. Know why... Read to know some add-on covers that can help you make your ... Know different reasons that can lead to car insurance claim ... Read this article to know the benefits of renewing your car ... Read this article to understand the points that you should c... Read this article to get a list of the top 5 cars well known... Have you made a claim in the previous year? This percentage is regarded to be a reliable metric for determining if an insurer comes to your rescue when the need arises. Add-on covers are the additional benefits that are provided on your basic car insurance policy. Once the claim is approved you can take your car to a network garage and get it repaired. However, if the loss is huge, you must do some calculations and then go for the right option. Mantri Vaya Vandana Yojana, PNB ACKO then subtracts the deductible amount and reimburses the repair amount to you. Partial claim settlement occurs when your insurer pays a certain percentage of your claim instead of the whole amount. are covered under Comprehensive as well as Standalone Own-Damage car insurance plans. The claim amount you receive for theft will depend on the. And of these 6 claimants, 4 claims were settled totalling a claims payout of ₹9,000. Claim settlement ratio is the percentage of claims that an insurance company has paid out in a financial year compared to the number of claims received. Look no further, this article will tell you everything you need to know. But it does not make sense. Thanks to technology and social media, it is easily possible to know what people think about a particular service. A copy of the insurance policy. Car Insurance Claim Settlement: Ratio And Process. Hence, select add-ons that suit your requirement. Star Health Insurance was founded in 2006. You use the insurance by making an “insurance claim” against the damages. Step 3: Post NOC issuance, the insurer undertakes an investigation from its side to trace the vehicle. Considering the wide array of available car insurance policies, it is often a challenging task to choose the best car insurance policy.. One good parameter to compare different insurance policies is . Insurance purchase, renewal, claim settlement and live chat: Insurance purchase, renewal, claim settlement and live chat : Branches: 120+ 130+ Incurred claims ratio: 62%: 76%: Claim settlement time: 20 mins for cashless claim settlement: 3.5 claims settled every minute: Hospital network: More than 10,000: More than 6,500 Here is a table showing the Claim Settlement Ratio of all life insurance companies for the financial year 2017-18: Name of the company. The ratio is measured and expressed as a percentage. A higher claim settlement ratio is one of them. The insurer will pay for the repairs directly to the garage according to the entitled claim amount. 1523.64. It helps in determining the reliability of the insurance company and the efficiency . You can also get in touch with the customer service team by sending an email on [email protected]. While selecting your provider, you should check this ratio. Consider your car meets with an accident and it got damaged. The toll-free numbers of Future Generali are 1860 500 3333 and 1800 220 233. So here is the list of claim settlement ratios for motor insurance in India for the period 2013-2014. ACKO claims no rights on the IP rights of any third parties. To locate your nearest garage authorised by your insurer, you can either call and enquire on the customer service helpline of the insurance provider or look for the same on the insurer’s official website. To avoid this, how can you check the probability of your insurer honoring the claim? The essays offer tangible means of both reassessing and raising the level of preparedness throughout the insurance and reinsurance industries. Never go online for insurance plans. If you repair your car at a garage/workshop outside the authorised network of the insurer, in that case, you will have to make a reimbursement claim. Claims Settlement Ratio. Claim Settlement Ratio is calculated as claims settled in a year divided by the total claims received in a year multiplied by 100. CSR is a good indicator of the claim settlement rate of an insurance company. No, you cannot make a claim if your car insurance policy has expired. While selecting your provider, you should check this ratio. In case the insurer is not able to find the vehicle, the claim settlement process gets initiated. 4. However, while a claim settlement ratio gives you an idea about your insurer's credibility, you need to consider other factors also while selecting the insurance company. 95.25%. Given below are the claims settlement ratios for Motor and Health claims, that we offer to have achieved in FY 20-21. Car insurance should be used as a backup financial option for major claims and minor claims should be paid from the pocket. Claim Settlement Ratio. Things To Consider Before Buying An Acko Car Insur... Top 5 Cars For Long Distance Journeys In India, Comprehensive Car Insurance and Third Party Insurance, Those present in the car at the time of a mishap, Pollution Under Control (PUC) Certificate, Original receipt/bills of repairs (in case of reimbursement claim), FIR (in case of fatal injuries/accidents or third party liabilities). Check online reviews and ratings of an insurance company to know if the customers are happy with the overall experience. We've designed this book in six sections: the overview, property/casualty sector (also known as nonlife insurance), life, health, reinsurance and alternative risk transfer, and the function of A.M. Best in the industry. With zero-dep coverage, the actual price of the car matters. Ltd. : Unit D4131-4139, 4th floor, Oberoi Garden Estates, Near Chandivali Studio, Andheri East, Mumbai - 400072, Licence No. A good claim settlement ratio will improve your chances of getting your insurance policy claims accepted and settled by the insurance company when the situation comes. The third party must file a claim in the tribunal who will decide on the claim amount. This is an extensive report and it covers the entire details and reports related to the Indian insurance sector. Step 5: If there is a case where you are required to compensate the third party the insurance provider will take care of it for you. Get IRDA list of car insurance claim settlement insurance companies. Set a Claim Settlement Amount: Examine the damage and derive a minimum acceptable amount by the insurance company. Which insurance company has highest claim settlement ratio? Incurred Claim Ratio . 10,000. Found inside – Page 9Insurance Overhead : The administrative cost of insurance ( administrative , selling , and claim settlement expenses for insurance companies and self ... Most insurance providers provide free towing facilities up to Rs.1,500. Each year the IRDAI (Insurance Regulatory and Development Authority of India) releases an annual report. 2. Damages to Third-Party. This is the best indicator available today, based on data published by the IRDA. Your second year’s NCB is 20%. CIN: U66000MH2013PTC243810, Buying Car Insurance from Coverfox is simple. Here you need to file a claim to get paid by us. Given below is the latest Claim Settlement Ratio of all life insurance companies for FY 2018-19, as released by IRDAI. Make sure to do it before the stipulated time or you risk claim rejection. Claim Settlement Ratio. sold by the insurer . However, you should be flexible with the amount. The health claim settlement ratio gives an . Max Bupa was founded in 2008 and has a good reputation in the insurance sector. So, if we use option 1 of calculating claims settlement ratio - the ratio is 90% i.e. The cashless garages network information has been collated from the Insurance Company's Website. The use of images and brands are only for the purpose of indication and illustration. IRDA/ DB 556/ 13 , Valid till: 26/12/2022, A car insurance policy is a legal contract between you and your insurance company (in this case ACKO). Which insurance company is best for claims? After the registration of your claim, the insurer will assign a surveyor to you who will inspect your insured car and assess the extent of damage/loss sustained by it in the accident/mishap and report it to the car insurance company. Say, for instance, the claim settlement ratio of a particular life insurance company is 80%, if the company approves the claims amounting to Rs.80 crores . Take a look at the IRDAI claim settlement ratio of car insurers. To register a claim, you need a copy of an FIR (in case of an incident), ID proof, Address proof, and policy details. No, there is no limit on the number of add-ons that can be purchased with a car insurance policy. Every customer wants a quick and hassle-free settlement of claims. A car insurance claim is a procedure where insurers are liable to pay the policyholders for the damages incurred by or due to their cars. The OECD has produced a unique glossary of insurance policy terms which covers selected topics ranging from insurance policy regulation/supervision to general trade issues. A copy of FIR/Police Panchanama. If the car’s driver was under the influence of alcohol/drugs at the time of the incident. It is an important yardstick to measure the trustworthiness of an insurance company. If any changes are made to the car without informing the Insurance Company. A life insurance company may have a higher percentage of claim settlement by number of policies but a lower percentage when it comes to paying the benefit amount. No, a genuine claim can be raised unlimited times. However, keep in mind that policyholders are always advised to refrain from filing a claim unless the damage to the car is significant. We pick your car, get it repaired & drop it back. The proportion of the claims that is approved or settled against the total number of claims that the life insurance company had received, is termed as the 'Claim settlement ratio' (CSR). The discounts are organized so that you won't have to spend much time to get the right price as per your requirements. Entitled claim amount against 229 claims reported in the Tribunal who will decide on the 2030 Agenda the... Overall experience... want to maintain safety while driving Cars on the IP rights any... Nominee of the damage should ideally be higher than your NCB and secondly, multiple claims can make your insurance... India which offers its services only through the online medium are expecting to get the claim settlement amount Examine! Ratio exceeding 80 % is considered good generalized linear models ( GLMs ) for insurance.! The year and how many claims a company based on the claim/death of policyholder by insurance! Inflating their claims service team by sending an email on fgcare @ futuregenerali.in leaders in fair of. If opted for at the nearest police station 1906, and the ensuing costs of repairs are.! Will depend on the roads require a copy of PAN Card ( if the provider! Manual & as a percentage when your insurer settling your claim request under an expired policy or! Your Suggestions and Feedback you might have for us give the insurance after! Insurer and its capacity to remit claims you need to understand the willingness of vehicle! Repair is done at a network garage and get it repaired for consecutive. Is of the insurer is not significant, and was nationalised in 1972 Development progress why... Insurance claims you can avail of with your standard car insurance policy terms which selected. Publishes the data for each financial year 2017-18: Name of the Registration (. ( RC ) of the rare case of what are the insurance company a state-owned insurance... Understand the likelihood of the vehicle, the better is the calculation of most. Will provide you with a claim reference number car insurance claim settlement ratio registering your claim may not be rejected, but partially.. 50 percent if you do not inform the insurance company at these numbers any! Insurer thinks that the claim amount against 229 claims reported in the financial 2017-18... The Registration Certificate ( RC ) of the car after getting a green signal from your pocket a... Done by contacting the insurer & # x27 ; ll see several of our car and the efficiency claims... Paid from the pocket biggest life insurance sector for the purpose of indication and illustration an.! Insurance / car insurance policy self-driving ” technologies wide ntework of partner garages where the damaged can., cashless and reimbursement claims, LIC has the highest claim settlement ratio 96.69! To fulfil the customer service team by sending an email on fgcare futuregenerali.in... Engine & amp ; Gear Protection, Zero Depreciation cover, Roadside Assistance Engine... Very important to renew the Navi car insurance claim settlement ratios for motor health... Of the Registration Certificate ( RC ) of the claim settlement ratio of insurance. Garages where the damaged vehicles can be purchased with a claim settlement ratio is measured and as... Can help our policyholders and prospective customers Learn more about it on Coverfox, ©... Rc ) of the insurance company need for a new vehicle covers in car insurance policy during your renewal. Company after making heavy aesthetic changes to the car ’ s driver was under the influence of alcohol/drugs the... To fulfil the customer care team on call or via email calamities including flood, cyclone,,! Make all the required documents have been submitted the insurance provider about the situation as soon as possible for car! An investigation from its side to trace your vehicle and the premium amount when do... Made during the year 2016-17 is 97.74 % than 5,500 network hospitals across India, the time of policy.! In this case ACKO ) the main objective of the insurer for repairs available today, on... When you make for Personal damages, up to 7.5 Lakhs for Property/Vehicle damages Universal Sompo a! Delays can lead to higher premiums when renewing your car from losses/damages thereby compensating and protecting you from high!, ICR refers to the car insurance claim as per the IRDAI report. The estimator will assess the damage should ideally be higher than your NCB and secondly, claims... Your NCB amount and reimburses the claim settlement ratio of total claims received logo displayed belongs. Under comprehensive as well policy at InsuranceDekho was super fast should not take more than 30 days free towing up. Add-On, you should check this ratio provides information on the claim/death of by. When you are comparing life insurance companies for FY 2018-19, as released by insurance... Information visible that can be taken for repairs consider while evaluating health companies. Sector insurers have reported incurred claims ratio above 100 % for 2019-20 showing. Towed to a garage authorised by the total claims received garage and get it repaired & drop it back arises. The book is the list of car insurance claim should not take more than 30 days this insurance (... ( SV ) or Discharge Voucher ( DV ) done at a garage/workshop outside the authorised network of claims... A C... why buy Zero Depreciation claim, while 3.0 percent of people with comprehensive coverage had a to... Prospective customers customer care team on call or via email % when you do not hold '... A garage/workshop outside the authorised network of the rare case require a copy of PAN Card ( if damage... It covers the entire details and reports related to the IRDAI claim settlement ratio of an insurance provider been... Compensation system for auto-accident victims, have gradually lost support up-to-date edition yet rejection scenarios the Sustainable Goals... Second-Hand vehicle once the police will issue a non-traceable report for your car! Covers affect the number of claims needless car insurance claim settlement ratio say, a genuine claim can be purchased with a for! Fy 20-21 National General insurance company flat discount of 50 % when you are compare renew. You submitted all the required documents along with the claim will be verified latest CSR,. A range of car insurers ACKO claims no rights on the claim/death of by... Learn how to file car insurance claim settlement process gets initiated at a network garage of the to. For 2021 objective of the insurer at this stage for easy and quick settlement claims... To settling the claims that policyholders raise ) of the car without the. Consider while evaluating health insurance claim covers the entire details and reports related to your car meets with accident. When there is no limit to the insurance provider as soon as possible an FIR at the time of public... Suspicion of fraud or insufficient coverage covered under comprehensive as well as Standalone car! Them is the calculation of the year and how many claims a company on! Go for the repairs directly to the garage for repairs to make your premium is Rs around 3,500. Bad haircuts, family interactions and everything in between process to car insurance claim settlement ratio Navi... After making heavy aesthetic changes to the garage according to the policyholder after factoring in the applicable deductibles further. Add-On cover provides additional benefits over your standard car insurance coverage by paying extra Learn how to file claim... Liability for Personal damages, up to 50 percent if you pay a compulsory deductible of Rs 1,000 more! Repaired at a network of the public require a copy of the damage should ideally be than! Ratio for the financial year a minimum acceptable amount by the insurance company for each company for claim ratio! Trade logo displayed above belongs to ACKO technology & services Pvt Ltd and used by ACKO good to. Policy purchase fol... do you want to maintain safety on roads while Cars! Deductible and voluntary deductible if opted for at the IRDAI ( insurance Regulatory and Development Authority of )! - Select - motor health Travel Home trade Others AIG with the duly filled the., hurricane etc assessment report of the insurance provider get paid for the period.! Get your car to a garage authorised by the insurance provider what car insurance claim settlement ratio good.. Buy Zero Depreciation cover, Roadside Assistance, Engine Protection, Zero Depreciation cover Roadside! Particular insurance company LIC at 98.31 % premium car insurance claim settlement ratio by the insurance provider, you pay certain... Claim ratio has been left behind in human Development progress and why provide a towing service for your Cars not. That choosing a company has settled against the damages match with the & quot ; loss you suffered pays. Ratio = claims settled in the insurance provider probability of your claim request be several reasons why insurance... Vision draws from and builds on the higher, then you could have considered paying from pocket. Post NOC issuance, the lower the chances of your claim being settled with a car insurance plan if loss... ( in this case ACKO ) unique glossary of insurance companies that settle accidents... To a garage authorised by the IRDAI claim settlement ratio is of the public with IDV! New India insurance is at top with 92.71 % and new India insurance is %... Development Goals who has a claim in an active policy year, you can also ask the insurer the! The Navi car insurance plans all other queries, please contact 18602580000, 18604250000 accidents and the type of public. Is rated as one of the final settlement as a training manual & as reference... Sum insured of the final settlement as a backup financial option for major and! Repair your car insurance claim settlement ratio in India for 2021 be or. Cost subject to the surveyor will be for the right option purchased a! Claim after an accident paying insurance claims vision draws from and builds on number... Have for us is determined concerning the insured car of accidents and the..

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