insurance documents 2025-11-04T12:40:47Z

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Rain-slicked pavement glittered under the 6 AM streetlights as my left foot caught a warped sidewalk slab. Time compressed into that sickening crunch – ankle rolling, body slamming concrete, breath exploding out in a gasp that tasted like exhaust fumes and panic. Agony radiated up my leg, but worse was the icy flood of bureaucratic terror: ambulance costs, ER paperwork, insurance labyrinths. My phone skittered inches from my trembling hand, screen cracked like my stupid confidence.

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