Car accidents in Colorado can devastate your life in an instant, leaving you facing mounting medical bills, lost wages, and physical pain that may last for years.

Without proper legal representation, insurance companies will try to take advantage of your vulnerable state, offering settlements that barely cover your immediate expenses while ignoring your long-term needs.

Many car accident victims make the critical mistake of handling their claims alone, only to discover they’ve accepted far less compensation than they were entitled to—money they desperately need for ongoing medical treatment, rehabilitation, and lost income.

The at fault driver’s insurance company has teams of experienced adjusters and lawyers working around the clock to minimize what they pay you, using tactics designed to pressure you into quick settlements before you understand the full extent of your injuries.

Without an experienced Colorado auto accident attorney fighting for your rights, you could be left struggling financially while dealing with serious injuries that may never fully heal.

When you’ve been injured in a motor vehicle accident through no fault of your own, you need a Colorado car accident attorney who understands the devastating impact these crashes have on victims and their families.

At Allen Accident Law, Doug Allen brings over 32 years of experience exclusively handling car accidents, motorcycle accidents, and truck accidents throughout Colorado.

Unlike attorneys who handle various practice areas, Doug specializes solely in motor vehicle accident cases, giving him the focused expertise needed to secure maximum compensation for his clients.

Having previously represented major insurance companies like State Farm and GEICO, Doug knows exactly how these companies operate and what strategies they use to minimize payouts.

This insider knowledge allows him to anticipate their tactics and build a stronger case that results in a higher settlement for you.

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The Most Common Reasons Why Colorado Car Accident Victims Don't Receive the Compensation They Deserve

Insurance Companies Prioritize Profits Over People

Insurance companies are for-profit businesses that make more money when they pay out less in claims, creating an inherent conflict of interest with accident victims.

Adjusters are trained to use specific tactics to minimize payouts, including questioning the severity of injuries, disputing medical treatment, and pressuring victims to accept quick settlements.

Without experienced legal representation, accident victims are at a severe disadvantage when negotiating with insurance companies that have teams of lawyers and adjusters working against them.

Victims Don’t Understand the True Value of Their Claims

Most car accident victims have never been through the claims process before and don’t understand how to properly value their case.

They may focus only on immediate medical bills and property damage while overlooking future medical expenses, lost earning capacity, and pain and suffering damages.

Insurance companies take advantage of this inexperience by making settlement offers that seem reasonable but actually represent a fraction of what the case is truly worth.

Lack of Proper Medical Documentation

Many accident victims delay seeking medical treatment or don’t follow through with recommended care, creating gaps in their medical records that insurance companies exploit.

Others fail to inform their doctors that their injuries are related to a car accident, making it difficult to establish the causal connection between the crash and their medical problems.

Without comprehensive medical documentation linking injuries to the accident, insurance companies will argue that the victim’s problems existed before the crash or were caused by something else.

Failure to Preserve Critical Evidence

Evidence from car accidents can disappear quickly, including surveillance footage, witness memories, and physical evidence from the accident scene.

Many victims don’t realize the importance of documenting everything immediately after the accident, including taking photos, getting witness contact information, and preserving damaged property.

By the time they realize they need this evidence for their claim, it’s often too late to obtain it, weakening their case significantly.

Giving Recorded Statements Without Legal Counsel

Insurance adjusters often contact accident victims within hours of the crash, requesting recorded statements before victims have had time to fully understand their injuries or consult with an attorney.

These recorded statements are designed to elicit responses that can be used against the victim later, such as admissions of fault or minimization of injuries.

Once a victim gives a recorded statement, it becomes part of their permanent claim file and can be used to challenge their credibility or reduce their settlement.

Accepting Quick Settlement Offers

Insurance companies often make quick settlement offers while victims are still in pain and facing mounting medical bills, hoping they’ll accept out of desperation.

These initial offers are typically far below what the case is actually worth, but once a victim accepts and signs a release, they give up their right to pursue additional compensation.

Many victims don’t realize that their injuries may worsen over time or that they’ll need ongoing medical treatment, making quick settlements particularly harmful to their long-term interests.

Misunderstanding Colorado’s Comparative Negligence Laws

Colorado’s comparative negligence system allows insurance companies to argue that the victim was partially at fault for the accident, reducing the amount they have to pay.

Without a good car accident law firm on their side, victims may inadvertently admit to actions that increase their percentage of fault, significantly reducing their compensation.

Insurance companies often exaggerate the victim’s role in causing the accident while minimizing their own insured’s responsibility.

Inadequate Investigation of the Accident

Insurance companies conduct their own investigations of accidents, but these investigations are designed to minimize their liability rather than uncover the truth.

They may fail to interview all witnesses, properly examine the accident scene, or consider all factors that contributed to the crash.

Without an independent investigation by an experienced car accident lawyer, important evidence that supports the victim’s case may never be discovered or presented.

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How Our Colorado Auto Accident Attorney, Who Has Won Over $15 Million For Injured Victims, Can Help You Get Fair Compensation

A-Z Management of Your Car Accident Injury Claim

When you’ve been injured in a car crash, Allen Accident Law handles every aspect of your auto accident claim from start to finish.

Doug Allen investigates the accident scene, gathers crucial evidence, and builds a compelling case that demonstrates the full extent of your damages.

We work with medical experts to document your injuries and calculate both current and future medical expenses to ensure you receive fair compensation.

Negotiating with Insurance Companies

Insurance companies often try to settle car accident claims quickly and for far less than they’re worth, hoping victims will accept low offers out of desperation.

Doug Allen’s experience representing insurance companies gives him unique insight into their negotiation tactics and settlement strategies.

He knows how to counter their arguments and present evidence that compels them to offer the compensation you truly deserve.

Medical Bill Management

One of the biggest concerns for car accident victims is how to pay for medical treatment when they can’t work due to their injuries.

Allen Accident Law helps clients access the medical care they need, even when they can’t pay upfront costs.

Doug works with healthcare providers to ensure you receive proper treatment while building documentation that supports your claim for damages.

Dealing with Uninsured Motorists

When the at fault driver lacks adequate insurance coverage or is completely uninsured, recovering compensation becomes more complex.

Doug Allen explores all available options for compensation, including your own uninsured motorist coverage and other potential sources of recovery, ensuring that inadequate insurance doesn’t prevent you from receiving the financial support you need for your recovery.

Lost Wage Recovery

Serious car accident injuries often prevent victims from working, creating financial hardship at the worst possible time.

Doug Allen calculates not only current lost wages but also future earning capacity that may be affected by your injuries.

He presents compelling evidence of your income loss to ensure insurance companies account for both immediate and long-term financial impacts.

Wrongful Death Claims

When a car accident results in the tragic loss of a loved one, surviving family members face both emotional devastation and financial uncertainty.

Allen Accident Law compassionately handles wrongful death claims, seeking compensation for medical expenses, funeral costs, lost income, and the profound loss suffered by the family.

Doug understands the sensitive nature of these cases and provides the support families need during this difficult time.

Trial Representation

While most car accident cases settle out of court, some require litigation to achieve fair compensation.

Doug Allen’s extensive trial experience and track record of successful verdicts give him the credibility needed to negotiate from a position of strength.

Insurance companies know he’s prepared to take cases to trial when necessary, which often leads to better financial compensation.

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Types of Motor Vehicle Accidents We Handle

Car Accidents

Allen Accident Law represents victims of all types of car accidents throughout Colorado, from minor fender-benders to catastrophic multi-vehicle collisions.

Whether you’ve been injured in a rear-end collision, side-impact crash, or head-on collision, Doug Allen has the experience to handle your case effectively.

We understand that even seemingly minor car accidents can result in serious injuries that require extensive medical treatment and time away from work.

Motorcycle Accidents

Motorcycle accidents often result in severe injuries due to the lack of protection that motorcycles provide compared to passenger vehicles.

Doug Allen has extensive experience handling motorcycle accident cases and understands the unique challenges these cases present, including overcoming bias against motorcyclists.

We work with accident reconstruction experts and medical specialists to build compelling cases that demonstrate the full extent of damages suffered by motorcycle accident victims.

Truck Accidents

Commercial truck accidents can be devastating due to the size and weight difference between trucks and passenger vehicles.

These cases often involve complex liability issues, including the truck driver, trucking company, cargo loaders, and maintenance providers.

Doug Allen has the resources and expertise needed to thoroughly investigate truck accidents and hold all responsible parties accountable for your injuries.

Hit and Run Accidents

Hit and run accidents can leave victims feeling helpless, especially when the at-fault driver flees the scene without providing insurance information.

Even in hit and run cases, there may be options for compensation through your own uninsured motorist coverage or other sources.

Allen Accident Law works diligently to identify hit and run drivers and explore all available avenues for recovery.

Drunk Driving Accidents

Accidents caused by intoxicated drivers often involve particularly serious injuries and may qualify for punitive damages beyond standard compensation.

Doug Allen aggressively pursues maximum compensation for drunk driving accident victims, including claims against bars or establishments that overserved the intoxicated driver.

These cases require swift action to preserve evidence of intoxication and build the strongest possible case for damages.

Distracted Driving Accidents

With the increasing prevalence of cell phone use while driving, distracted driving accidents have become increasingly common in Colorado.

These cases often require specialized investigation to obtain cell phone records and other evidence proving the driver was distracted at the time of the accident.

Allen Accident Law has the experience and resources needed to build compelling distracted driving cases that result in fair compensation for victims.

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Common Types of Car Accidents in Colorado And How They Can Impact Your Settlement

Rear-End Collisions

Rear-end collisions are among the most common types of car accidents in Colorado, often resulting from following too closely or distracted driving.

While these crashes may seem minor, they frequently cause serious injuries including whiplash, back injuries, and traumatic brain injuries.

Doug Allen understands that insurance companies often try to minimize rear-end collision claims, arguing they’re “minor” accidents, but he knows how to demonstrate the true severity of injuries and secure fair compensation even when vehicle damage appears minimal.

Intersection Accidents

Intersection accidents often result in serious injuries due to the high speeds and angles of impact involved.

These crashes commonly occur when drivers run red lights, fail to yield right of way, or make improper turns.

Allen Accident Law conducts thorough investigations of intersection accidents, working with traffic engineers and accident reconstruction experts to determine fault and counter any attempts by insurance companies to shift blame to the victim.

Head-On Collisions

Head-on collisions are among the most devastating types of car accidents, often resulting in catastrophic injuries or death.

These crashes typically occur when a driver crosses the center line, often due to fatigue, intoxication, or distracted driving.

Doug Allen recognizes that head-on collision cases often involve the highest compensation awards due to the severity of injuries, and he works with life care planners and medical experts to ensure victims receive adequate compensation for lifelong medical needs and disability.

Side-Impact Crashes

Side-impact crashes, also known as T-bone accidents, often occur at intersections when one vehicle strikes the side of another.

These accidents can be particularly dangerous because the sides of vehicles offer less protection than the front or rear.

Allen Accident Law understands that side-impact crashes frequently result in internal organ damage and broken bones that require immediate surgery and ongoing medical care, and Doug Allen fights to secure compensation that covers both emergency treatment and long-term rehabilitation needs.

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Common Car Accident Injuries and Their Long-Term Impact

Whiplash and Neck Injuries

Whiplash is one of the most common injuries in car accidents, particularly in rear-end collisions where the sudden impact causes the head and neck to snap forward and backward violently.

While whiplash may seem like a minor injury, it can cause severe pain, stiffness, headaches, and reduced range of motion that can last for months or even years.

Insurance companies often try to minimize whiplash claims, arguing that soft tissue injuries aren’t serious, but Doug Allen knows how to document the true impact of these injuries on your daily life and work ability to secure the compensation you deserve.

Back and Spinal Cord Injuries

The force of a car accident can cause serious damage to the spine, ranging from herniated discs and compressed nerves to complete spinal cord injuries resulting in paralysis.

Back injuries may not be immediately apparent after an accident but can develop into chronic pain conditions that require ongoing medical treatment and physical therapy.

Allen Accident Law works with leading medical experts and life care planners to calculate the full cost of spinal cord injuries, including future medical expenses, adaptive equipment, and home modifications needed for lifelong care.

Traumatic Brain Injuries

Head injuries from car accidents can range from mild concussions to severe traumatic brain injuries that permanently alter a victim’s cognitive abilities and personality.

Even seemingly minor head injuries can have lasting effects on memory, concentration, and emotional regulation that may not become apparent until weeks or months after the accident.

Doug Allen understands the complexity of brain injury cases and works with neurologists and neuropsychologists to document cognitive impairments and secure compensation for reduced earning capacity and the need for ongoing rehabilitation.

Broken Bones and Fractures

The impact of a car accident can cause fractures to virtually any bone in the body, from simple breaks that heal with casting to complex fractures requiring surgical repair.

Compound fractures, where the bone breaks through the skin, carry additional risks of infection and may require multiple surgeries and extended recovery periods.

Allen Accident Law ensures compensation covers not only immediate medical expenses but also future complications, ongoing pain management, and any permanent disability or reduced mobility resulting from fractures.

Internal Injuries

The force of a car accident can cause serious internal injuries that may not be immediately apparent but can be life-threatening if not promptly diagnosed and treated.

Internal bleeding, organ damage, and ruptured blood vessels can occur even in accidents that don’t seem particularly severe.

Doug Allen recognizes that internal injuries often require emergency surgery and extended hospitalization, and he fights to recover compensation for all related medical expenses, lost wages during recovery, and any permanent organ damage.

Cuts and Lacerations

Broken glass, twisted metal, and other debris from car accidents can cause severe cuts and lacerations that may result in permanent scarring and disfigurement.

Deep lacerations may damage nerves, tendons, and muscles, requiring reconstructive surgery and extensive physical therapy.

Allen Accident Law pursues compensation for plastic surgery, scar revision procedures, and the emotional trauma associated with permanent disfigurement, understanding that facial lacerations can profoundly impact a victim’s self-esteem and career prospects.

Burns

Car accidents can result in fires or explosions that cause severe burns requiring specialized medical treatment and multiple surgeries.

Even minor burns can cause permanent scarring and require ongoing medical care and psychological counseling to deal with the trauma.

Doug Allen works with burn specialists and reconstructive surgeons to document the full extent of burn injuries and secure compensation for skin grafts, multiple surgeries, and the long-term psychological treatment often needed by burn victims.

Psychological Trauma

The psychological impact of a car accident can be just as devastating as physical injuries, causing post-traumatic stress disorder, anxiety, and depression.

Many accident victims develop a fear of driving or being a passenger in vehicles, which can significantly impact their ability to work and maintain relationships.

Allen Accident Law recognizes that psychological injuries are real and compensable, working with mental health professionals to document the need for ongoing therapy and the impact of trauma on your ability to work and enjoy life.

Soft Tissue Injuries

In addition to whiplash, car accidents commonly cause other soft tissue injuries including sprains, strains, and tears to muscles, ligaments, and tendons throughout the body.

These injuries may seem minor compared to broken bones or head injuries, but they can cause chronic pain and limit mobility for months or years.

Doug Allen knows how to counter insurance company arguments that soft tissue injuries should heal quickly, presenting evidence of ongoing pain, the need for physical therapy, and the impact on your ability to perform job duties and daily activities.

Knee and Joint Injuries

The confined space of a vehicle during an accident often causes knees and other joints to strike the dashboard, steering wheel, or seats, resulting in serious injuries.

Knee injuries can include torn ligaments, damaged cartilage, and fractured kneecaps that may require arthroscopic surgery or complete joint replacement.

Allen Accident Law pursues compensation for all aspects of joint injuries, including multiple surgeries, physical therapy, the possibility of future joint replacement, and any permanent limitations on mobility that affect your career and recreational activities.

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Compensation Auto Accident Victims Can Receive For Their Injuries

Economic Damages

Economic damages compensate you for the measurable financial losses you’ve suffered due to the car accident.

These include current and future medical expenses, lost wages, reduced earning capacity, and property damage.

Doug Allen meticulously documents all economic damages, working with medical economists and vocational experts to calculate not just your current losses but also future medical needs and reduced earning potential that insurance companies often try to ignore.

Non-Economic Damages

Non-economic damages compensate you for the intangible losses you’ve experienced, such as pain and suffering, emotional distress, and loss of enjoyment of life.

These damages are more subjective and require skilled legal representation to present effectively to insurance companies or juries.

Allen Accident Law excels at presenting compelling evidence of non-economic damages through detailed personal testimony, medical expert opinions, and day-in-the-life documentation that shows how your injuries have fundamentally changed your ability to enjoy life’s pleasures.

Punitive Damages

In rare cases involving particularly reckless or intentional conduct by the at fault driver, Colorado courts may award punitive damages.

These damages are designed to punish the wrongdoer and deter similar behavior rather than compensate the victim.

Doug Allen aggressively pursues punitive damages when appropriate, particularly in cases involving drunk driving, road rage, or other egregious conduct, understanding that these additional damages can significantly increase your total compensation while holding dangerous drivers accountable.

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Testimonials

Trusted Accident Injury Attorney in Colorado

See How Doug Allen Has Delivered Life-Changing Results for Clients in Colorado.

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We Can Help Car Accident Victims In All Of Colorado, Including:

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FAQs About Car Accident Injury Claims In Colorado

The value of your car accident case depends on numerous factors including the severity of your injuries, medical expenses, lost wages, and the degree of fault of each party involved.

Each case is unique, and settlement amounts can vary dramatically based on the specific circumstances of your accident and injuries.

An experienced Colorado auto accident attorney can evaluate your case and provide a realistic assessment of its potential value based on similar cases and current jury verdicts.

While Colorado law doesn’t require you to hire an attorney for your car accident case, having experienced legal representation significantly increases your chances of receiving fair compensation.

Insurance companies have teams of lawyers and adjusters working to minimize what they pay out, and they often take advantage of unrepresented accident victims.

Studies consistently show that car accident victims who hire attorneys recover substantially more compensation than those who handle their claims alone.

The timeline for settling a car accident case varies depending on factors such as the complexity of the case, the severity of injuries, and the cooperation of insurance companies.

Simple cases with minor injuries and clear liability may settle within a few months, while complex cases involving serious injuries can take a year or more.

It’s important not to settle your case too quickly, as you need time to understand the full extent of your injuries and their impact on your life.

While many people want to know the “average” car accident settlement in Colorado, the reality is that every case is unique and settlement amounts vary dramatically based on numerous factors.

Settlements can range from a few thousand dollars for minor property damage and soft tissue injuries to millions of dollars for catastrophic injuries involving permanent disability or wrongful death.

If the at fault driver is uninsured or underinsured, you may still be able to recover compensation through your own insurance policy’s uninsured motorist coverage.

Colorado doesn’t require drivers to carry uninsured motorist coverage, but insurance companies must offer it, and many drivers choose to purchase this protection.

An experienced car accident attorney can explore all potential sources of compensation, including other parties who may bear responsibility for the accident.

Most car accident attorneys, including Allen Accident Law, work on a contingency fee basis, meaning you don’t pay attorney fees unless we recover compensation for you.

This arrangement allows accident victims to access experienced legal representation without worrying about upfront costs or hourly fees.

The contingency fee is typically a percentage of the settlement or verdict, and you’ll know the exact percentage before hiring an attorney.

In most cases, the insurance company’s first settlement offer is significantly lower than what your case is actually worth.

Insurance adjusters are trained to settle claims quickly and cheaply, often making low initial offers hoping victims will accept them out of desperation.

It’s important to have your case evaluated by an experienced attorney before accepting any settlement offer, as you typically can’t change your mind once you’ve signed a release.

Colorado’s modified comparative negligence rule allows you to recover compensation even if you were partially at fault for the accident, as long as you were less than 50% responsible.

Your compensation will be reduced by your percentage of fault, but you can still recover damages for your injuries and other losses.

Having an experienced attorney is crucial in these cases to minimize your degree of fault and maximize your recovery.

Pain and suffering damages in Colorado are calculated based on factors such as the severity of your injuries, the impact on your daily life, and the duration of your recovery.

There’s no set formula for calculating pain and suffering, which is why having experienced legal representation is so important.

Your attorney will present evidence of how your injuries have affected your life and argue for appropriate compensation based on similar cases and jury verdicts.

Insurance companies often request recorded statements from accident victims, claiming they need the information to process the claim.

However, these statements can be used against you later, as adjusters are trained to ask questions designed to minimize the company’s liability.

It’s best to consult with an experienced car accident attorney before giving any recorded statements to insurance companies.

Yes, you can still file a car accident claim even if police weren’t called to the scene, though having a police report can be helpful.

If possible, you should still file an accident report with the Colorado Department of Transportation within 10 days if the accident involved injury, death, or property damage over $1,000.

An experienced attorney can help gather other evidence to support your claim when no police report exists.

It’s common for some injuries, particularly soft tissue injuries and concussions, to not show symptoms until days or even weeks after a car accident.

This is why it’s important to seek medical attention promptly after any accident, even if you feel fine initially.

As long as you can establish a connection between the accident and your injuries through medical documentation, you can still pursue compensation for delayed-onset symptoms.

Proving fault in a car accident requires evidence such as police reports, witness statements, photos of the accident scene, and sometimes accident reconstruction analysis.

Traffic violations, such as running a red light or speeding, can help establish fault, as can physical evidence like skid marks and vehicle damage patterns.

An experienced Colorado car accident attorney knows how to gather and present this evidence effectively to prove the other driver’s negligence.

If the at fault driver’s insurance coverage is insufficient to fully compensate you for your damages, there may be other sources of recovery available.

Your own insurance policy may include underinsured motorist coverage that can make up the difference between the other driver’s coverage and your actual damages.

In some cases, other parties such as employers or vehicle manufacturers may bear responsibility for the accident and provide additional sources of compensation.

You should always see your own doctor or a doctor of your choosing for treatment of car accident injuries.

While insurance companies may request independent medical examinations, you have the right to receive care from physicians you trust.

Your treating physicians’ opinions carry more weight in legal proceedings than those of doctors hired by insurance companies specifically to minimize claims.

If the other driver was intoxicated at the time of the accident, this strengthens your case significantly and may open the door to punitive damages.

Drunk driving is considered particularly reckless conduct, and Colorado courts may award additional compensation to punish the intoxicated driver.

You may also have additional claims against bars or other establishments that served alcohol to an obviously intoxicated person who then caused an accident.

Medical treatment after a car accident can be expensive, and it’s important not to delay necessary care due to financial concerns.

Many healthcare providers will accept what’s called a “letter of protection” from your attorney, agreeing to wait for payment until your case settles.

Your health insurance may also cover accident-related medical expenses, though they may seek reimbursement from any settlement you receive.

Colorado operates under an at-fault insurance system, meaning the driver who causes the accident is responsible for paying damages to injured victims.

This differs from no fault states where each driver’s insurance covers their own injuries regardless of who caused the crash.

Understanding this system is crucial because it determines which insurance company you’ll be filing your claim with and how compensation is determined.

Colorado follows a modified comparative negligence rule, which allows you to recover compensation even if you bear some responsibility for the accident.

However, if you’re found to be 50% or more at fault, you cannot recover any compensation from the other driver.

If you’re partially at fault, your compensation will be reduced by your percentage of responsibility for the crash.

Colorado law gives car accident victims three years from the date of the accident to file a lawsuit against the at fault party.

While this may seem like plenty of time, it’s crucial to begin the legal process as soon as possible after your accident.

Evidence can disappear, witnesses’ memories fade, and insurance companies may use delays against you in settlement negotiations.

Don't Let Insurance Companies Take Advantage of You - Our Auto Accident Lawyer Will Help You Fight Back.

At Allen Accident Law, Doug Allen has dedicated over three decades to fighting for the rights of Colorado car accident victims.

With more than 10,000 cases settled and over $15 million recovered for clients, Doug has the experience and track record you need when facing serious injuries from a motor vehicle accident.

Unlike other attorneys who handle multiple practice areas, Doug focuses exclusively on car accidents, motorcycle accidents, and truck accidents, giving him the specialized knowledge needed to maximize your compensation.

Don’t let insurance companies take advantage of your vulnerable situation—contact Allen Accident Law today for a free consultation and let us fight for the compensation you deserve.

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