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Beware: Each state has its own time limits for bringing a claim against a third party - called the statute of limitations. If you do not settle or sue within that time limit, you may lose your ability to make a claim and you may never receive compensation for your damages. Check with an attorney in your area if you intend to make a claim or bring suit against an at-fault party. The statute of limitations in some states can be as short as one year.

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