Any time Injury strikes, a ripple effect can mean anything from taking a day off from work to being laid up for extended periods, permanent injury, catastrophic loss of income and a host of other outcomes, forever altering the victim's life and that of their family. An injury can happen anywhere, at home, work, dining out, the operating table, or on vacation, just to name a few. While each circumstance offers different challenges, one common question arises.

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