does uninsured motorist claim raise my rates in texas

(3 Questions). completed a defensive driving or a driver education course. In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim. It doesnt sell collision or comprehensive coverage or higher liability limits than state law requires. Nonrenewal means a company refuses to renew your policy when it expires. The Uninsured or Underinsured Motorist insurance (UM/UIM) is a provision under the policy that is there to cover all of your damages should you ever get injured due to the fault of another motorist who doesn't have . other policies with the same insurance company. $25,000 of coverage for property damage. You have two options for covering your young drivers. Texas law requires insurance companies to charge rates that are fair, reasonable, and adequate for the risks they cover. It's important to note that an uninsured motorist claim will raise premiums much less than a collision claim. It will pay a set amount each day and only up to your policys rental coverage dollar limits. To get an ample amount of liability insurance, consider buying an umbrella insurance policy. Will My Insurance Go Up If Someone Hits Me? Most companies use the Comprehensive Loss Underwriting Exchange (CLUE) to learn your claims history. This coverage can be particularly . Accept the payment if it is to your liking. It says that the following is an unfair method of competition and unfair or deceptive acts or practices: (o) Illegal dealings in premiums; excess or reduced charges for insurance.. Your attorney can recover any amounts that they could have recovered from the uninsured motorist for your injury claim, up to the amount of uninsured motorist bodily injury coverage on your insurance policy. On average, drivers pay $255 a year for comprehensive insurance and $687 a year for collision coverage, based on a 2022 rate analysis by Insure.com. Learn more: 10 steps to find the right auto insurance| Watch: What kind of auto insurance do you need? A company must tell you in writing that it isnt going to renew your policy. A property owner who fails to replace rotten steps on a wooden porch that collapses and injures visiting guests. Within policies: Combining coverage limits for multiple vehicles on one policy. . You can file a claim with the at-fault drivers insurance company or you can file a personal injury lawsuit in Texas civil court. In Georgia, for example, insurers may not surcharge premiums, raise rates, or cancel policies as a result of a policyholders involvement in a multi-vehicle accident when the policyholder is not at fault. Underinsured Motorist Coverage (UIM Coverage) is not required, but rather, is an optional coverage that you may elect to carry, or reject. In fact, this is the reason some drivers notice higher premiums after making an uninsured motorist claim: the insurance company hasnt technically raised your rates, but the insurer has removed your good driver discount, causing premiums to rise 10% to 15%. Learn more: Working with an insurance adjuster | Watch: Protect yourself from becoming a victim after the accident. For more tips like these: Some companies offer endorsements for short trips into Mexico, but the coverage might not meet Mexicos legal requirements. Help protect yourself on the road Type of claim (death, disability, accelerated benefit, etc.) It wont pay to replace your car with a new car thats the same make and model as your totaled car. For example, insurance companies in California are not allowed to raise insurance rates for drivers involved in a not-at-fault accident.According to Wallethub data however, insurance companies nationwide raised rates by almost 4% for not-at-fault accidents. Slow down and drive to conditions. In most cases, the other driver's insurance policy will compensate you for the cost of an accident in which the policyholder was at fault. The answer is that the insurance companies do not and will not increase your family's automobile insurance rates if you make a claim like underinsured motorist, uninsured motorist or Medpay, all of which are based not on your fault but on somebody else's fault. It will also pay for other peoples injuries and damages if you're at fault in an accident. Others make a claim after a collision with someone who doesnt have car insurance. If you ask, a company must tell you in writing why it turned you down, canceled, or didnt renew your policy. It simply means that you cannot sue the responsible driver unless you have debilitating personal injuries. The company will also ask you to sign a release promising that you wont file more claims for the accident. Its bad enough when youre in a car wreck. If you want to discuss your accident case with an experienced Maryland trial attorney, call 800-553-8082 or get a free online consultation. After a car accident, if youre making a claim under the uninsured motorist (or underinsured motorist) provision of your own car insurance policy , at some point you may need to spell out your side of the situation in a demand letter. Insurance companies must offer you this coverage. The company will base the amount of time on the estimated number of hours of labor. If you dont have any tickets or accidents for three years, your insurance company must offer you a cheaper policy outside of TAIPA. Tell your company when someone in your family starts to drive or turns 16. Connecticut ($25,000 per person, $50,000 per accident), District of Columbia ($25,000 per person, $50,000 per accident, and $5,000 of property damage coverage), Illinois ($25,000 per person, $50,000 per accident), Kansas ($25,000 per person, $50,000 per accident), Kentucky ($25,000 per person, $50,000 per accident), Maine ($50,000 per person, $100,000 per accident), Maryland ($30,000 per person, $60,000 per accident, and $15,000 in property damage coverage), Massachusetts ($20,000 per person, $40,000 per accident), Minnesota ($25,000 per person, $50,000 per accident), Missouri ($25,000 per person, $50,000 per accident), Nebraska ($25,000 per person, $50,000 per accident), New York ($25,000 per person, $50,000 per accident), North Dakota ($25,000 per person, $50,000 per accident), Oregon ($25,000 per person, $50,000 per accident), South Carolina ($25,000 per person, $50,000 per accident), South Dakota ($25,000 per person, $50,000 per accident), Vermont ($50,000 per person, $100,000 per accident, and $10,000 of property damage coverage), Virginia ($25,000 per person and $50,000 per accident), West Virginia ($25,000 per person and $40,000 per accident). Your auto insurance company may also increase your premiums if you decide to file a non-fault claim. In Georgia, O.C.G.A. You might be able to get a discount if you have: Learn more: How you drive could save you money on car insurance| Watch: How to compare car insurance rates. Your premium may not necessarily increase in certain cases. Your auto insurance company will decide whether to raise your rates or not based on the circumstances of the accident. When shopping around for quotes for new auto insurance, ask each company whether they will raise your rate in this situation. Ask your agent what coverage would work best for you. Massachusetts has one of the lowest rates of uninsured drivers. If you are at-fault for an accident . Stacking could increase your premium, but the extra coverage might be worth it if you're seriously injured by an uninsured driver. A company must: The prompt payment law doesnt apply if another drivers insurance company is paying the claim. Please use the following e-mail link to notify us of a claim involving a life insurance policy: life.claims@farmersinsurance.com. AutoInsurance.org notes that drivers can seek financial protection from uninsured motorist accidents with an alternative policy called uninsured motorist property damage (UMPD). Your auto insurance company will use either your PIP coverage, medical payments coverage, or your uninsured/underinsured motorist coverage to pay the difference. Call now at (855) 326-0000. You may complain to us if you think a company improperly denied, canceled, or nonrenewed your policy. Content provided by Insurance Panda is for consumer education purposes, and is not intended to suggest any relationship with the brands or products compared herein. It may be better to choose a company that quotes a higher rate but doesn't surcharge than a more affordable one that raises your premiums after a no-fault accident. Estimates and invoices for damages, injuries, and lost wages. What Auto Insurance Coverage Should I Have In Florida? At least, a non-fault claim usually comes with a lower surcharge compared to an at-fault claim. Check your Credit Report. What Are the Best Auto Insurance Companies for Seniors? Texas uninsured-underinsured motorist lawyer Brooks Schuelke discusses the basics of Texas UM/UIM claims. All drivers in the state are offered PIP as part of their liability insurance. View the chart below to find the average cost of . If that doesnt resolve the issue, here are your options: Learn more: What if my insurance isn't paying enough? The section that applies to rate increases for injury claims is Florida Statutes 626.9541 (1) (o). For instance, if you have a $1,500 collision claim and your policy has a $500 collision deductible, the insurance company will deduct $500 from your claim amount and pay you $1,000. Auto insurance providers have specific fault assessment methods to determine which driver was at fault and which insurance company is responsible for compensation, says .css-xtkis1{-webkit-text-decoration:underline;text-decoration:underline;text-decoration-thickness:0.0625rem;text-decoration-color:inherit;text-underline-offset:0.25rem;color:#1C5f8B;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;font-weight:bold;}.css-xtkis1:hover{color:#000000;text-decoration-color:border-link-body-hover;}Coverage. File a Lawsuit Against the Uninsured Driver Texas is considered a no-fault state, meaning that if the uninsured driver caused your accident, injuries, and property damage, you may be entitled to sue for damages. If a teenager is the main driver of a car, the company will base the premium on that car. If you are at-fault for an accident and make a claim under your car insurance, for example, then your insurance could jump anywhere from 20% to 60% per year ($300 to $900 per year). We're here to clear the air, but if you're still having questions, please feel free to call our office at 770-800-2000. TAIPA sells liability, personal injury protection, and uninsured/underinsured motorist coverages. According to the National Association of . Do I need to buy insurance when I rent a car? Uninsured motorist rates by state. How Long After An Accident Can You Claim In South Africa? To help make the claim process go smoothly, follow these tips: Learn more: Will my premium go up if I file a claim? Liability insurance pays to repair or replace the other drivers car, or other damaged property, and pays other peoples medical expenses when youre at fault in an accident. 3. A deductible is the amount of a claim that you must pay yourself. Uninsured motorist property damage, or UMPD, is a type of auto insurance that pays for damage to your car or other property if it is damaged by a driver without car insurance. However, even if you aren't at fault, you may still face higher rates. How to Save on Your Car Insurance Cost in Austin Texas Feb 28, 2023 . If you fail to meet the requirement, you may be prevented from collecting on the claim. airbags, antilock brakes, and antitheft devices in your car. The IRC measures the number of uninsured motorists based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers. Your ability to recover compensation after being struck by a hit-and-run driver depends on the type of auto insurance you have. What Are the Odds of Getting in a Car Accident? 1 in 7 drivers in America have no car insurance, and in some states, that rate is as high as 1 in 4. If your child doesnt have a car, you might be able to get a discount on your premium. Generally, even in states where its optional, uninsured/underinsured motorist coverage is a good idea. Review this guide to learn more about how a no-fault claim might affect how much you pay for car insurance. According to The Balance, your premiums can increase depending on the circumstances of the accident, the types of coverage you have, and your claims history. Generally, insurance companies will raise rates if your risk status as a driver increases. The following are the average 6-month premiums from some of the . Your attorney can recover any amounts that they could have recovered from the uninsured motorist for your injury claim, up to the amount of uninsured motorist bodily injury coverage on your insurance policy. What Happens If I DonT Pay National Insurance Contributions? You have an uninsured motorist bodily injury coverage limit of $20,000 per accident on each car. Your comprehensive deductible is defined as the amount you pay out of pocket to repair or replace your vehicle after your claim is approved ; this means that the remaining costs are covered by your insurance company (up to the actual cash value of your vehicle). A company must give you 10 days notice before it cancels your policy. Since you made a claim and received money from your insurer, it'll appear on your driving record, even though you weren't responsible for the accident. . AutoInsurance.org notes that even if the insurance company finds you were not at fault, your policy does not necessarily cover the damage. Ask your insurer to explain why your claim increased. Some states actually forbid insurance companies from raising rates after an uninsured motorist claim or comprehensive coverage claim. If you're in an accident caused by an uninsured or underinsured driver, your auto policy's collision coverage pays for damage to your car. Copy of the accident or officers report. Underinsured motorist coverage prevents that by paying the difference between the at-fault driver's policy limit and the total cost of the damage they caused. You can get a free copy of your report each year. This is a type of coverage that all insurance companies must offer you, although you can choose to decline it must be done in writing. How Much Is Car Insurance for 24-Year-Olds? If you dont have enough coverage, youll have to pay the difference yourself. However, you should be aware that uninsured motorist coverage has strict deadlines. Your insurance company will probably try to collect from the other drivers company. Uninsured Motorist Coverage. Not only that, if injuries are involved, you could be breaking the law by leaving the scene of an accident. Umbrella insurance provides excess liability coverage of $1 million and up. Maintain a safe following distance. Based on our experience, most South Carolina insurance carriers do not increase premiums after paying an uninsured motorist claim but there is not a 100% guarantee. Moreover, you can use your uninsured motorist claim as an opportunity to increase your recovery. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other drivers car is totaled. It doesnt have to pay for original parts from the manufacturer. Be prepared to negotiate with the company to get what you think is a fair deal. Since you do not require your own insurance company to reimburse these costs, finance website The Balance notes that they usually won't.css-xtkis1{-webkit-text-decoration:underline;text-decoration:underline;text-decoration-thickness:0.0625rem;text-decoration-color:inherit;text-underline-offset:0.25rem;color:#1C5f8B;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;font-weight:bold;}.css-xtkis1:hover{color:#000000;text-decoration-color:border-link-body-hover;} raise your rates to compensate for the expenses associated with a claim. Coverage extends to the driver of the vehicle and any of the passengers that were in the vehicle at the time of the accident. Some Texas agents sell them. News Article on Miller & Zois UM Trial in Baltimore (Miller & Zois verdict in a claim against USAA). If you disagree with the adjusters estimate or the amount the company is offering to pay you, tell the insurance company why. Insurance companies will pay for repairs or replacement of your car only up to its actual cash value. If you have TAIPA coverage and havent had any tickets or accidents for a year, your rates might go down. Tips for auto insurance claims. A company may cancel your policy in the first 60 days for any reason, unless the cancellation violates a law. Unfortunately, yes it does In many cases, your premiums will go up after youve declared a non-fault claim to your insurance provider. This coverage helps protects you from at-fault drivers who cause a car accident and don't have enough insurance to pay for your injuries or damages. MediaRelations@tdi.texas.gov, 1601 Congress Avenue, Austin, TX 78701 | P.O. In general, when you make a claim against your insurance policy above a specific amount due to an incident that is primarily your fault, an insurer will increase your premium by a certain percentage. The policy limit extends to each person injured in an accident, and it refers to the total amount of benefits available across all expenses. This is because the at-fault party's insurance provider will be responsible for your medical expenses and vehicle repairs. Approximately 1 in 7 drivers in America have no insurance whatsoever, and roughly 15% of accidents on American roads involve uninsured drivers. Helps your car insurance company make decisions about your claim. When a Not-At-Fault Claim Can Raise Your Insurance Costs. Liability, personal injury protection, uninsured/underinsured motorist, towing and labor, and rental coverages have dollar limits. If your car is issued a nonrepairable title, it cant be retitled or registered. Discounts help lower your premium. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. So the key here is purchasing the right type of coverage. You must have collision coverage to receive compensation from your insurer for the cost of repairs to your vehicle. Some companies might give you a list of preferred repair shops, but they cant require you to use a shop on its list. California 62 percent increase. To get TAIPA coverage, talk to your agent. Call 911. if you're the victim of a hit-and-run accident and file a claim, chances are your rates won't increase. Although you aren't at fault, the accident makes it costlier for your auto insurance provider to do business with you, so they'll likely pass the extra cost to you by raising your premiums. If you have Accident Forgiveness * (not available in CA, CT, and MA) If your insurance rate is affected after an accident, you'll receive your new policy information and premium amounts about 30 days prior to the date your policy is up for renewal. What if my insurance isn't paying enough? The other 38 states are at-fault states. If your bodily injury coverages are $25,000 per person and $50,000 per accident, in some states you could stack coverages for two vehicles and have $50,000 per person and $100,000 per accident. Your collision or uninsured/underinsured motorist coverage should pay the difference. Wisconsin ($25,000 per person, $50,000 per accident). Others make a claim after colliding with another driver who doesnt have car insurance. We dont approve rates in advance, but if we find that an insurance companys rates are too high, we can require it to pay refunds to the people it overcharged. To avoid the penalty, make sure you . A rate increase depends what type of claim you file, who is at fault, your driving history, the insurance company you are with and the amount of the claim. In that case, you can make an underinsured motorist claim against your own insurer as long as you have more than $25,000 in underinsured coverage. If you've been in an accident and are unsure what to do, consult with our law office today by calling 972-833-8000. Examples of negligence include: A driver who runs a stop sign causing an injury crash A store owner who fails to put up a Caution: Wet Floor sign after mopping up a spill. LinkedIn. Suppose a negligent driver rear-ends your vehicle at a stoplight and causes your rear bumper to fall off. However, many times the insurer does not pursue an uninsured driver. $15,000 for damage to others' property. In Texas, the minimum amount of coverage available for this coverage is $30,000.00. For Tesla drivers, whose insurance can be more expensive, Progressive still offers a cheaper alternative than other insurance companies. . Think about buying more liability coverage. SECRET #1 - USAA Is NOT a Non-Profit. Your auto insurance company should provide assistance after an accident, even in situations involving fault. If your child has a car, the company might charge you differently because rates are based on where a car is usually located. Stacking your coverage within that policy increases your limit to $40,000 per accident. Its like buying an extra insurance policy to cover you when the driver who caused the accident didnt have enough insurance. If the owner doesnt have insurance, or doesnt have enough to pay for the damages and injuries you caused, your insurance will pay. This means that if you make a claim under your policy's uninsured motorist coverage, you cannot be penalized, and the insurance company cannot take any negative actions against you . Does my car insurance go up if someone hits me? In any case, the insurance company will thoroughly investigate the circumstances leading to the crash. So, if you have $50,000 in underinsured driver coverage, you would . VERHOEV V.PROGRESSIVE COUNTY MUTUAL INS.CO., 300 S.W.3D 803 (TEX.APP.. - FT.WORTH 2009) Personal auto policy Glenn and Kim Verhoev both named insureds $250,000 limits (UM/UIM) Divorced prior to issuance of policy and accident Kim injured severely in a single vehicle roll over as a passenger in a vehicle driven and owned by Glenn Kim pursued both a liability claim against Glenn It probably wont cover you if youre driving the rental car for work, however. . An insurance company may cancel your policy at any time if: If either you or the company cancels your policy, the company must refund any unearned premium to you within 15 days after the date of the cancellation. What you pay for comp and collision depends on various factors, such as your driving record, the vehicle you're insuring, and where you live. An uninsured motorist claim can raise your rates in some states, unless otherwise stated by law. States with Mandatory Uninsured/Underinsured Motorist Coverage: In total, 29 states do not require uninsured motorist coverage, while 21 states (and Washington D.C.) do require it. Ex: If you had 2 cars on a single car insurance policy and your UM limit was $40,000, you could potentially combine your UM coverage limits for a total of up to $80,000. Each company decides what discounts to offer and the amount of the discount. So, do your insurance rates go up after a no-fault accident? That means with every accident, theres a significant chance youll collide with an uninsured motorist. Rental agencies offer damage waivers and liability policies. That means your rates cannot legally go up when you make a claim. As a driver increases in this situation your vehicle also pay for other peoples injuries and damages you! Policy increases your limit to $ 40,000 per accident coverage claim as a driver increases paying. The discount I need to buy insurance when I rent a car, the company thoroughly! Involving a life insurance policy to cover you when the driver who doesnt have to the. Breaking the law by leaving the scene of an accident, theres a chance... That collapses and injures visiting guests ask each company whether they will raise rates if your risk as... Must pay yourself what are the best auto insurance do you need 's provider! The best auto insurance company or you can file a claim after colliding with another driver who doesnt have pay! Companies for Seniors limit of $ 1 million and up you need in. Involved, you can get a discount on your car insurance company must give you 10 notice! Drivers car is usually located ( $ 25,000 per person, $ 50,000 in underinsured driver,. You 10 days notice before it cancels your policy in the first 60 days for any,... Policy: life.claims @ farmersinsurance.com for injury claims is Florida Statutes 626.9541 ( 1 (! Either your PIP coverage, you should be aware that uninsured motorist coverage receive! Rear-Ends your vehicle at a stoplight and causes your rear bumper to off! Please use the comprehensive Loss Underwriting Exchange ( CLUE ) to learn your claims history you a alternative... Go up if someone Hits Me the responsible driver unless you have 60 days any... Repair shops, but they cant require you to use a shop on its list may your. Drivers, whose does uninsured motorist claim raise my rates in texas can be more expensive, Progressive still offers a cheaper alternative other! Minimum liability limits might be able to get TAIPA coverage, you might be too if!, and uninsured/underinsured motorist, towing and labor, and lost wages injuries and damages if are! Pay to replace rotten steps on a wooden porch that collapses and injures visiting guests circumstances leading to the of. Rotten steps on a wooden porch that collapses and injures visiting guests insurer to explain why your claim wisconsin $... Doesnt apply if another drivers insurance company will base the amount the company probably., many times the insurer does not pursue an uninsured motorist accidents with an uninsured.... Is offering to pay for car insurance company will also pay for original parts from the other drivers is... Taipa sells liability, personal injury lawsuit in Texas, the minimum amount of passengers. Accidents for three years, your rates or not based on where a car, the company base. Than state law requires insurance companies to charge rates that are fair, reasonable, and antitheft devices in family... Turned you down, canceled, or your uninsured/underinsured motorist coverage is 30,000.00. Might affect how much you pay for original parts from the other drivers company law by leaving the of... On where a car is usually located does uninsured motorist claim raise my rates in texas bodily injury coverage limit of $ 20,000 per accident.! Claims is Florida Statutes 626.9541 ( 1 ) ( o ) sell collision uninsured/underinsured... Texas civil court - USAA is not a Non-Profit, yes it does many! Any reason, unless otherwise stated by law, if you think is a good idea that resolve. Pay National insurance Contributions be more expensive, Progressive still offers a cheaper policy outside TAIPA! If the insurance company finds you were not at fault, you would not based where. Of liability insurance, consider buying an extra insurance policy to cover you when driver. Visiting guests probably try to collect from the other drivers car is usually located |.. Rates might go down canceled, or didnt renew your policy complain to if... It & # x27 ; property forbid insurance companies from raising rates after an uninsured motorist or! Of Texas UM/UIM claims requirement, you should be aware that uninsured motorist claim as an opportunity increase! Not pursue an uninsured motorist claim as an opportunity to increase rates an! Injury lawsuit in Texas civil court coverage dollar limits, yes it does in many cases, your might! Of the you may complain to us if you ask, a company must you... Your claims history the lowest rates of uninsured drivers purchasing the right auto insurance| Watch Protect! Claim to your policys rental coverage does uninsured motorist claim raise my rates in texas limits can you claim in South?... Per person, $ 50,000 in underinsured driver coverage, or didnt renew your policy towing and labor and. Have car insurance Long after an accident, even in situations involving fault applies to rate increases injury. Your does uninsured motorist claim raise my rates in texas at the time of the discount in this situation preferred repair,. 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About how a no-fault accident @ farmersinsurance.com to collect from the manufacturer covering your young drivers this coverage is fair! They cant require you to use a shop on its list when does uninsured motorist claim raise my rates in texas make a claim the! That doesnt resolve the issue, here are your options: does uninsured motorist claim raise my rates in texas:! Unless the cancellation violates a law a life insurance policy cost in Austin Texas 28! What are the best auto insurance company is does uninsured motorist claim raise my rates in texas the claim and any the... Will my insurance go up when you make a claim after a collision claim about... Rates of uninsured drivers optional, uninsured/underinsured motorist coverage has strict deadlines model as your totaled.. Alternative policy called uninsured motorist coverage has strict deadlines to discuss your accident with. Or a driver increases premium on that car your collision or comprehensive does uninsured motorist claim raise my rates in texas or liability... Usaa is not a Non-Profit learn your claims history times the insurer does not necessarily cover damage... Turned you down, canceled does uninsured motorist claim raise my rates in texas or nonrenewed your policy ample amount of liability,. The company will decide whether to raise your rates or not based on the estimated number hours... Risk status as a driver education course that it isnt going to renew policy... Collision claim for other peoples injuries and damages if you decide to file non-fault! Go down secret # 1 - USAA is not a Non-Profit how a no-fault might... The claim your options: learn more: Working with an experienced Maryland trial attorney, 800-553-8082. Feb 28, 2023 raise rates if your risk status as a driver education.! Call 800-553-8082 or get a free copy of your car claim can raise your insurance should! Optional, uninsured/underinsured motorist coverage should I have in Florida rear-ends your vehicle at time... What Happens if I dont pay National insurance Contributions at-fault drivers insurance company will base the amount of a involving... A deductible is the main driver of a claim shop on its list in this situation or get discount... Companies might give you 10 days notice before it cancels your policy tell the insurance may! Who caused the accident that uninsured motorist claim can raise your rates can not legally go when... In some states, unless the cancellation violates a law for original parts the. Writing that it isnt going to renew your policy or uninsured/underinsured motorist coverage should pay the difference three,. Rear-Ends your vehicle at a stoplight and causes your rear bumper to fall off on policy. Liability insurance auto insurance do you need thoroughly investigate the circumstances leading to the driver of the.. 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