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When you are injured in a crash, the first letters that matter are not J, D, or M. They are E, O, and B: explanation of benefits. That is the slip from a health insurer that tells you what they paid and, often, what they denied. Pair that with an adjuster’s truck accident representation voicemail offering a lowball property damage check and no commitment on your medical bills, and you can feel the ground tilt. I have sat wi