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| loss adjustment reserve (of $50,000 for personal injury to the driver of the automobile, and a loss adjustment reserve of $10.000 for the expected cost of investigation and litigation. Alexander Demidov) | |||
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| loss adjustment reserve (of $50,000 for personal injury to the driver of the automobile, and a loss adjustment reserve of $10.000 for the expected cost of investigation and litigation. Alexander Demidov) | |||