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Does James River cover carjacking ?
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What if you get shot in spine while working by the car jacker ?

Will James River buy you a wheelchair ?
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It sounds like insurance fraud to replace a run down car. Why would they steal a car just to have to replace or repair shocks, breaks, and transmission? :D
They need it to block in a Mercedes.

They have an order for a front end from a hit and run. Driver.
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