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Whatever the insurance company offered you is almost certainly less than you're entitled to, especially if they know that you're in the middle of a rough patch. I wouldn't sign anything without first consulting with a lawyer that specializes in insurance/personal injury. And if you haven't told the other driver or his insurance company about your other troubles, don't.
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And you believe Bush and the liberals and divorced parents and gays and blacks and the Christian right and fossil fuels and Xbox are all to blame, meanwhile you yourselves create an ad where your kid hits you in the head with a baseball and you don't understand the message that the problem is you.
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