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The driver of the car was found at fault by the police report. Injuries were shoulder blade fracture and rotator cuff tear. No surgery required, just PT. Per Driver's insurer (major carrier) request, all medical bill copies were submitted. Carrier has sent an Agreement and Release: For and...

Deep breath and..... last year I contracted a local builder to construct a 2 car garage and bonus room. For the construction loan, the bank wanted a detailed estimate, saying ‘… don’t come back to us for more money.” I conveyed that request to the contractor. He is a back of the envelope...