{"id":2435,"date":"2023-10-27T14:00:00","date_gmt":"2023-10-27T14:00:00","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=2435"},"modified":"2023-10-26T20:42:50","modified_gmt":"2023-10-26T20:42:50","slug":"cure-auto-insurance-review","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/cure-auto-insurance-review\/","title":{"rendered":"CURE Auto Insurance Review"},"content":{"rendered":"\n<p>CURE is an auto insurance company available in New Jersey, Michigan and Pennsylvania that primarily considers driving history while placing less emphasis on other factors like your credit score. It is a good option to consider for drivers who may have a below-average credit history but who have minimal accidents and traffic violations on their records.<\/p>\n\n\n\n<p>CURE does not determine premiums using a credit-based scoring model. Instead, it looks primarily at your driving record. The company says on its website that relying on income rating factors can be \u201cdiscriminatory.\u201d As such, it has built a brand around providing car insurance to responsible drivers, making it an option for drivers who may have low credit scores but clean driving records.<\/p>\n\n\n\n<p>CURE\u2019s appeal lies in its policy of determining rates based largely on driving-related factors. Often, insurance companies assess their customers based on external factors like age, gender, education level, occupation, marital status, location, credit score or car make and model.<\/p>\n\n\n\n<p>CURE is not set up as a traditional insurance company and instead exists as a not-for-profit reciprocal exchange. It is only available in Michigan, New Jersey and Pennsylvania.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-plans-and-offerings\" class=\"wp-block-heading\"><strong>CURE auto insurance plans and offerings<\/strong><\/h2>\n\n\n\n<p>CURE Auto Insurance policies cater specifically to safe drivers. It does not offer other types of insurance, such as life or home insurance.<\/p>\n\n\n\n<p>One of the most popular offerings CURE provides is emergency roadside assistance. CURE limits roadside assistance to two claims in a six-month period, each covering up to $125. After you call a toll-free number, a service provider will drive out to assist you. CURE&#8217;s roadside services include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Towing<\/li>\n\n\n\n<li>Tire changing<\/li>\n\n\n\n<li>Delivering fuel<\/li>\n\n\n\n<li>Locksmith service<\/li>\n\n\n\n<li>Jumpstarting a battery<\/li>\n<\/ul>\n\n\n\n<p>As for coverage, most states require policyholders to have at least two types: bodily injury and property damage liability insurance. CURE includes both of these types of coverage in its plans. The amount of coverage you\u2019re required to purchase varies from state to state.<\/p>\n\n\n\n<h3 id=\"basic\" class=\"wp-block-heading\"><strong>Basic<\/strong><\/h3>\n\n\n\n<p>CURE&#8217;s basic insurance policy (which applies in New Jersey only) is its least expensive offering. The basic plan includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$15,000 in PIP coverage<\/li>\n\n\n\n<li>$10,000 in extended medical coverage<\/li>\n\n\n\n<li>$5,000 in property damage coverage<\/li>\n<\/ul>\n\n\n\n<p>Always research your state&#8217;s insurance law requirements before purchasing a basic insurance policy.<\/p>\n\n\n\n<h3 id=\"standard\" class=\"wp-block-heading\"><strong>Standard<\/strong><\/h3>\n\n\n\n<p>A step up from basic coverage is CURE\u2019s standard insurance policy. The New Jersey standard policy offers more options for coverage, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PIP coverage<\/li>\n\n\n\n<li>Bodily injury liability coverage<\/li>\n\n\n\n<li>Property damage liability coverage<\/li>\n\n\n\n<li>Uninsured\/underinsured motorist coverage<\/li>\n\n\n\n<li>The choice to add comprehensive and collision coverage<\/li>\n<\/ul>\n\n\n\n<p>The standard policy allows customers to choose their coverage amounts. It does not have set coverage amounts like the basic policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"discounts\"><span id=\"cure-auto-insurance-discounts\"><strong>CURE auto insurance discounts<\/strong><\/span><\/h2>\n\n\n\n<p>CURE has a short list of discounts for drivers. Note that these are the discounts available to New Jersey drivers, and availability may vary by state. Most CURE discounts only apply to certain coverages: for example, keeping your car in a secure garage will reduce what you pay for comprehensive (other-than-collision) coverage but won&#8217;t impact your liability coverage.<\/p>\n\n\n\n<h3 id=\"cure-car-insurance-discounts-and-savings\" class=\"wp-block-heading\"><strong>CURE car insurance discounts and savings<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Discount<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Coverage<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Savings<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Anti-theft device<\/td><td class=\"has-text-align-center\" data-align=\"center\">Comprehensive<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%-25%<\/td><\/tr><tr><td>Defensive driving course<\/td><td class=\"has-text-align-center\" data-align=\"center\">Liability, personal injury protection (PIP), collision<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><\/tr><tr><td>Loss-free<\/td><td class=\"has-text-align-center\" data-align=\"center\">Comprehensive, collision<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (2 years), up to 20% (5 years)<\/td><\/tr><tr><td>Bundle<\/td><td class=\"has-text-align-center\" data-align=\"center\">Collision (does not stack with loss-free)<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<\/td><\/tr><tr><td>Safe parking<\/td><td class=\"has-text-align-center\" data-align=\"center\">Comprehensive<\/td><td class=\"has-text-align-center\" data-align=\"center\">10% (off-street), 25% (secure garage)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 id=\"loss-free-discount\" class=\"wp-block-heading\"><strong>Loss-free discount<\/strong><\/h4>\n\n\n\n<p>CURE policyholders are eligible for a loss-free discount that increases the longer they go without a claim on their policy.<\/p>\n\n\n\n<p>If you have two claim-free years while insured with CURE, you&#8217;ll receive a 5% discount. After three years, the discount increases to 10%, and at five or more years, the discount jumps to 20%.<\/p>\n\n\n\n<h4 id=\"parking-discount\" class=\"wp-block-heading\"><strong>Parking discount<\/strong><\/h4>\n\n\n\n<p>CURE Auto Insurance policyholders are eligible for discounts on their comprehensive coverage if they park their car in certain locations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Off-street parking discount<\/strong>: A 10% discount on comprehensive coverage is afforded on vehicles that are customarily parked off-street. The discount applies to vehicles that are parked in a driveway or nonsecure parking facility.<\/li>\n\n\n\n<li><strong>Secure parking discount<\/strong>: A 25% discount is afforded on comprehensive coverage to vehicles that are customarily kept in a garage or secure parking facility that provides 24\/7 guard service and\/or requires a security code key for entry and exit. Proof is required.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverages\"><span id=\"auto-insurance-policy-coverage\"><strong>Auto insurance policy coverage<\/strong><\/span><\/h2>\n\n\n\n<p>CURE offers both a basic and standard car insurance policy in New Jersey. The basic policy is a lower-cost alternative to the standard car insurance policy for drivers who may find the features and coverage unnecessary.<\/p>\n\n\n\n<h4 id=\"rates-based-on-driving-history\" class=\"wp-block-heading\"><strong>Rates based on driving history<\/strong><\/h4>\n\n\n\n<p>CURE Auto Insurance stands apart because it bases insurance premiums primarily on your driving history. Most insurers factor in credit score, the highest level of education attained, homeownership, and other factors to determine the risk of a driver getting into accidents. CURE, however, views this as income discrimination and secondary to accident risks.<\/p>\n\n\n\n<p>If you live in New Jersey, Michigan or Pennsylvania and have a great driving record but below-average credit history or educational attainment, consider CURE. However, this means that you&#8217;ll see a proportionally bigger jump in rates after a crash than you would at another insurer.<\/p>\n\n\n\n<p>Rates at CURE for married couples, however, are more expensive versus the state average and more expensive than at some competitors like Geico or Progressive. For a married couple, age 35, Geico is 60% cheaper than CURE, and Progressive is 29% cheaper.<\/p>\n\n\n\n<h4 id=\"the-basic-package\" class=\"wp-block-heading\"><strong>The basic package<\/strong><\/h4>\n\n\n\n<p>Generally speaking, in the state of New Jersey, CURE offers the following coverage in its basic car insurance package:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$5,000 property damage coverage limit<\/li>\n\n\n\n<li>$15,000 PIP medical expense coverage limit<\/li>\n\n\n\n<li>$10,000 extended medical expense benefits coverage limit<\/li>\n\n\n\n<li>The limitation on lawsuit threshold<\/li>\n\n\n\n<li>Drivers also have the option of choosing bodily injury liability coverage (up to $10,000) and personal injury protection coverage (with various deductibles and discounts on PIP premiums)<\/li>\n<\/ul>\n\n\n\n<p>CURE also allows its customers to create their own policy, just like at other insurers, where you can choose your liability limits. These plans also offer optional coverages like collision, comprehensive (other-than-collision), and towing coverages.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-benefits\" class=\"wp-block-heading\"><strong>CURE auto insurance benefits<\/strong><\/h2>\n\n\n\n<p>CURE Auto Insurance provides affordable rates for drivers with excellent driving histories. Additionally, CURE doesn&#8217;t require credit checks and has many discounts available.<\/p>\n\n\n\n<h3 id=\"credit-isnt-a-factor\" class=\"wp-block-heading\"><strong>Credit isn\u2019t a factor<\/strong><\/h3>\n\n\n\n<p>CURE Auto Insurance\u2019s most notable characteristic is that it does not perform credit checks on potential customers. It will insure drivers with a range of credit scores.<\/p>\n\n\n\n<h3 id=\"low-premiums-for-good-drivers\" class=\"wp-block-heading\"><strong>Low premiums for good drivers<\/strong><\/h3>\n\n\n\n<p>Because CURE Auto Insurance bases its premium rates mostly on driving records, it can offer affordable premiums to drivers who can prove they are safe and have not been in prior accidents.<\/p>\n\n\n\n<p>CURE looks primarily at driving history to determine rates; however, recent at-fault accidents on your record are likely to lead to higher premiums. Thus, drivers with poor driving records may want to consider a different insurance provider.<\/p>\n\n\n\n<h3 id=\"discounts-available\" class=\"wp-block-heading\"><strong>Discounts available<\/strong><\/h3>\n\n\n\n<p>CURE offers a number of discounts that can help reduce your premium. Most of these discounts apply only to comprehensive and collision coverage plans and vary by state. Some of the discounts that CURE offers include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loss-free discount:<\/strong>&nbsp;If you go a long time without making a claim, you will receive discounts on your comprehensive and collision coverage. Discounts range from 5% off after two full years without any claims to 20% off for five years of no claims.<\/li>\n\n\n\n<li><strong>Parking discount:<\/strong>&nbsp;You may be eligible for 10% off your comprehensive and collision coverage by parking off-street or in a driveway, garage or parking lot. Parking in a secure garage could get you 25% off.<\/li>\n\n\n\n<li><strong>Multi-vehicle discount:<\/strong>&nbsp;Policyholders in New Jersey and Pennsylvania who insure more than one vehicle with CURE may be eligible for a discount.<\/li>\n\n\n\n<li><strong>Defensive driving discount:<\/strong>&nbsp;In New Jersey and Pennsylvania, drivers can earn a 5% discount on liability, collision and personal injury protection (PIP) plans by completing a CURE-approved defensive driving course.<\/li>\n<\/ul>\n\n\n\n<p>More discounts may be available upon inquiry. Check with a CURE representative about discounts before signing up.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-drawbacks\" class=\"wp-block-heading\"><strong>CURE auto insurance drawbacks<\/strong><\/h2>\n\n\n\n<p>CURE Auto Insurance also has some drawbacks, including limited availability, a small number of third-party reviews and a prolonged claims process.<\/p>\n\n\n\n<h4 id=\"limited-availability\" class=\"wp-block-heading\"><strong>Limited availability<\/strong><\/h4>\n\n\n\n<p>A drawback of CURE Auto Insurance is its limited availability. To apply for CURE coverage, you need to reside in Michigan, New Jersey or Pennsylvania.<\/p>\n\n\n\n<h4 id=\"lacks-many-third-party-reviews\" class=\"wp-block-heading\"><strong>Lacks many third-party reviews<\/strong><\/h4>\n\n\n\n<p>There are not many third-party reviews of CURE Auto Insurance, which limits the extent to which potential customers can inform themselves before purchasing a plan. For instance, it does not receive customer satisfaction ratings from J.D. Power.<\/p>\n\n\n\n<p>CURE has not received financial strength ratings from AM Best or S&amp;P Global Ratings. The Better Business Bureau (BBB) does not give CURE an official rating, although there are CURE customer reviews available on the BBB website.<\/p>\n\n\n\n<h4 id=\"claims-process-can-be-slow\" class=\"wp-block-heading\"><strong>Claims process can be slow<\/strong><\/h4>\n\n\n\n<p>According to reviews on the BBB site, some CURE customers have experienced slow claims processes. Folks report having to engage in multiple rounds of communication with representatives over the course of months in order to settle.<\/p>\n\n\n\n<p>Some policyholders have complained about poor claims management and delayed payouts. Other upset customers have written reviews saying that getting approval for theft claims is difficult. Many complaints allege that representatives don&#8217;t always have the necessary information and paperwork to deal with claims.<\/p>\n\n\n\n<p>CURE customers can file claims online but will ultimately have to speak to a representative on the phone.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-pricing\" class=\"wp-block-heading\"><strong>CURE auto insurance pricing<\/strong><\/h2>\n\n\n\n<p>How much you&#8217;ll pay for car insurance&nbsp;differs by state and by driver. Many factors come into play when determining car insurance quotes, so your best bet is to visit CURE\u2019s website and follow the prompts to get a quote. If you have a history of car accidents or infractions, you may find lower premiums with another auto insurance provider.<\/p>\n\n\n\n<p>With any auto insurance company, there are actions that you can take to make sure you&#8217;re getting the lowest possible premium, such as maintaining a good driving record and opting for a higher deductible. Make sure you also inquire about all possible discounts to further decrease your premium.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-financial-stability\" class=\"wp-block-heading\"><strong>CURE auto insurance financial stability<\/strong><\/h2>\n\n\n\n<p>It\u2019s difficult to judge CURE Auto Insurance\u2019s financial stability. There is limited information available from third-party reviewers, and AM Best has not rated CURE. According to the&nbsp;<a href=\"https:\/\/content.naic.org\/cis_refined_results.htm?TABLEAU=CIS_LICENSING&amp;COCODE=37028&amp;:refresh\" target=\"_blank\" rel=\"noreferrer noopener\">National Association of Insurance Commissioners<\/a>, CURE is licensed to sell insurance in Michigan, New Jersey and Pennsylvania.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-accessibility\" class=\"wp-block-heading\"><strong>CURE auto insurance accessibility<\/strong><\/h2>\n\n\n\n<p>CURE auto insurance isn\u2019t accessible unless you live in Michigan, New Jersey or Pennsylvania. However, CURE is available to all drivers in those states and may particularly appeal to drivers who have low credit.<\/p>\n\n\n\n<p>CURE does not consider factors like credit score or income proxies such as homeownership. The company stresses that drivers mostly need a clean driving record to get fair rates.<\/p>\n\n\n\n<h3 id=\"availability\" class=\"wp-block-heading\"><strong>Availability<\/strong><\/h3>\n\n\n\n<p>Michigan, New Jersey and Pennsylvania residents can purchase CURE auto insurance regardless of their credit score. CURE is headquartered in Princeton, New Jersey.<\/p>\n\n\n\n<h3 id=\"contact-information\" class=\"wp-block-heading\"><strong>Contact information<\/strong><\/h3>\n\n\n\n<p>For more information, call CURE Auto Insurance at 1-800-535-2873 or visit its&nbsp;<a href=\"https:\/\/www.cure.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">website<\/a>. Depending on your state, you\u2019ll need to press 1 for Michigan, 2 for New Jersey or 3 for Pennsylvania to connect to a customer service representative.<\/p>\n\n\n\n<h3 id=\"user-experience\" class=\"wp-block-heading\"><strong>User experience<\/strong><\/h3>\n\n\n\n<p>CURE Auto Insurance allows potential customers to get a quote for their car insurance online. You\u2019ll need to provide some information about yourself and other members of your household, including age, location, marital status, vehicle make and model, and more.<\/p>\n\n\n\n<p>For details on&nbsp;how to switch car insurance&nbsp;companies, contact CURE&#8217;s customer service department.<\/p>\n\n\n\n<p>CURE\u2019s website also includes a portal where current customers can view and make changes to their policies. The provider does not currently have a mobile app.<\/p>\n\n\n\n<h2 id=\"cure-auto-insurance-customer-satisfaction\" class=\"wp-block-heading\"><strong>CURE auto insurance customer satisfaction<\/strong><\/h2>\n\n\n\n<p>Because CURE is a small insurance company, it has not received a customer satisfaction rating from J.D. Power. CURE also does not have an official rating from the BBB. However, customer reviews on the BBB site are largely negative, with CURE Auto Insurance receiving an average review score of 1.05 out of 5 stars.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cost\"><span id=\"cure-auto-insurance-rate-comparison\"><strong>CURE auto insurance rate comparison<\/strong><\/span><\/h2>\n\n\n\n<p>CURE Auto Insurance quotes are typically more expensive than average across our three sample demographics. Based on these quotes for drivers in New Jersey, Geico and Progressive are generally cheaper than CURE for most drivers.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"868\" src=\"http:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-1024x868.webp\" alt=\"\" class=\"wp-image-2439\" srcset=\"https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-1024x868.webp 1024w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-300x254.webp 300w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-768x651.webp 768w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-380x322.webp 380w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-800x678.webp 800w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909-1160x984.webp 1160w, https:\/\/businessyield.com\/ins\/wp-content\/uploads\/sites\/6\/2023\/10\/cure-rates-d_eg8icd-e1698238134909.webp 1520w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Source: Value Penguin<\/figcaption><\/figure><\/div>\n\n\n<h2 id=\"how-to-file-a-claim-with-cure\" class=\"wp-block-heading\"><strong>How to file a claim with CURE<\/strong><\/h2>\n\n\n\n<p>After dialing the claims phone number, you&#8217;ll automatically be connected with a claims representative without having to key in any prompts. CURE claims representatives are available 24\/7.<\/p>\n\n\n\n<p>Phone number:&nbsp;<strong>800-229-9151<\/strong><\/p>\n\n\n\n<p>To speak to a person for general CURE customer service questions, dial&nbsp;<strong>800-535-2873<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Press 1 if you&#8217;re a current or prospective Michigan customer<\/li>\n\n\n\n<li>Press 2 if you&#8217;re a current or prospective New Jersey customer<\/li>\n\n\n\n<li>Press 3 if you&#8217;re a current or prospective Pennsylvania customer<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recommended-articles\"><span id=\"recommended-articles\"><strong>Recommended Articles <\/strong><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/cheapest-car-insurance-no-down-payment-2023\/\">CHEAPEST CAR INSURANCE NO DOWN PAYMENT 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/best-cheap-car-insurance-for-teens\/\">Best Cheap Car Insurance for Teens: Top 5 in 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/car-insurance-for-college-students-2\/\">Car Insurance for College Students: Best and Cheap in 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/national-general-insurance\/\">National General Insurance: Review 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/car-insurance-for-kids\/\">Car Insurance for Kids: Coverage, Cost &amp; Companies<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/car-insurance\/car-leasing-with-insurance\/\">CAR LEASING WITH INSURANCE: Plans, Cost &amp; All to Know<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\"><strong>References<\/strong><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.valuepenguin.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Value Penguin<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/money.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Money<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"CURE is an auto insurance company available in New Jersey, Michigan and Pennsylvania that primarily considers driving history&hellip;\n","protected":false},"author":290,"featured_media":2438,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13],"tags":[],"class_list":{"0":"post-2435","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - 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