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What can I get paid for damage to my car?

Feb 14, 2024
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Understanding Auto Insurance and Vehicle Damage in Texas

I can't replace my car with the amount the insurance company wants to pay me. Don’t they have to pay me enough to buy the same type of car?

The insurance company has to pay you what your car is worth, not what it costs to buy a similar car. Because cars depreciate the moment they are driven off the lot, you will not be paid the purchase price on even a new car.

Is there anything I can do to get the insurance company to pay me more for my car?

Yes. You can ask the insurance company for the “comparables” they are using to establish the value of your vehicle. You may find that the insurance company is using vehicles with higher mileage or fewer upgrades. You can point out these discrepancies to the insurance company. 

You can also find your own comparables and provide those to the insurance company. The insurance companies will generally negotiate with you and increase their offer somewhat if you are able to
provide documentation to support your value.

Doesn’t the insurance company have to give me a rental car? The other driver was at fault but their insurance company will only reimburse me for the rental charges after I pay for the rental and provide receipts.

Unfortunately, they can do this. Even large carriers are starting to follow this practice. The problem is, of course, that you have to incur these charges upfront and you may have to pay a rate higher than the rate the insurance company wants to reimburse you for. Because of the volume of their rentals, insurance companies can often get discounts from rental car companies that are not available to consumers. 

You may have to pay a higher rate, but the insurance company may offer to reimburse you only for the lower rate that is available only to them. You are entitled to loss of use (rental) but it’s very expensive to go to court to battle the insurance company over the excess rental charges, only. Therefore, if you spend a lot on a rental, you may have an out of pocket loss.

I don’t have the check for my totaled car yet and the insurance company is telling me I have to return the rental car. Can they do that?

Yes. Typically, insurance companies will pay for a rental (loss of use) for 72 hours after your vehicle is determined to be totaled. This means you may not have time to replace your vehicle before the rental car must be turned in. Under Texas law you are only entitled to loss of use on a
vehicle that is repairable.

The bank is telling me that I still have to make payments on my totaled car because I owed more than the car was worth. Do I have to make payments on a car that I no longer have?

If you are “upside down” in you car (you owe more in payments than the car is worth), you could be left holding the bag if it’s totaled. That is why it is so important to buy gap insurance if you have a loan on your car. Gap insurance is designed to make up the shortfall in the event your car is totaled.

The driver who hit me was an "excluded driver". What do I do?

More and more often we are hearing about “excluded drivers” in Texas. Insurance companies are issuing policies leaving off spouses who have a bad driving record and teen drivers. Too often the owners of these vehicles let the excluded driver drive the car and the excluded driver causes an accident.

You can sue the owner and driver in this situation, but the insurance company is not going to pay and you are very unlikely to collect anything. You will likely have to use your own collision or uninsured motorists coverages.

I let an excluded driver drive my car and they caused a wreck. Does my insurance company have to pay for the damage?

Most probably not. You should NEVER let an excluded driver drive your car.

The insurance company will only pay for one week of storage fees, but my vehicle was in storage for a month. What do I do?

Typically, insurance companies will only pay for storage for a week or two. If you owe storage fees and do not pay them, after a period of time the storage lot can sell your car for salvage. 

That is why it is important to have your vehicle moved to the insurance company’s lot as soon as you canThe vehicle should be moved to the lot for the company which is adjusting the damages. 

What is diminished value and how do I recover it?
If your car has been in a collision, it is worth less than before it was wrecked, even after it has been repaired. If your car is repairable, you are entitled to make a diminished value claim against the at fault driver’s insurance company. If you are at fault, your insurance company will
not pay you diminished value damages. 

These factors determine what an insurance company will pay you for diminished value:
  1. The age of your vehicle;
  2. The mileage of your vehicle;
  3. The cost of your vehicle;
  4. The cost of repairs; and,
  5. Whether your car has been wrecked before.
The newer your vehicle is and the worse the damage in relation to the value of the vehicle, the higher your diminished value will be. If your vehicle is older with high mileage, minor damage and prior collisions, your diminished value will be lower.

At Wham & Rogers, we guide our personal injury clients through the property damage process. If you have sustained a serious injury in an accident,  call us at 832-592-1108 for a free consultation.
By Ryan Wham 16 May, 2024
I had a client ask me recently, "With no witnesses to this crash, and with different stories coming from each side, how can we prove what actually happened? " With the right expertise and the right resources, it's actually possible to do that. How do trucking companies react after an 18 wheeler accident? When there's a major collision, generally speaking, there will be an investigation at first by police officers and sometimes state troopers who report to major crashes, especially fatality investigations. Also, in many instances when a commercial vehicle is involved, investigators hired by the corporation involved in the crash will go to the scene to investigate. What should my lawyer do to investigate a trucking collision? If you are fortunate enough to obtain legal representation early on, your attorneys will also send people to the scene to gather data. Investigators look for skid marks, tire marks, debris fields from the vehicles that collided. They also look for gouge marks where pieces of metal came into contact with the asphalt. And they map out precisely where all those points are with surveying equipment so they have all the data points. What data does an 18 wheeler record after a crash? All modern vehicles, have something called an electronic control module (ECM) or an electronic data recorder. Those are similar to the black box in an airplane. In a passenger car, the triggering event for the ECM is usually an airbag deployment. In a commercial vehicle like an 18-wheeler, many times the triggering event is a hard braking event, such as when the truckers slams on the brakes or just when the truck slows down abruptly. The computer will record a snapshot going back in time anywhere from five seconds to about a minute and record everything that the vehicle was doing. What evidence is useful to my trucking accident lawsuit? The speed when the driver hits the brakes can be useful. It is also helpful to know if the driver was using cruise control, wearing a seat belt, steering and if so, what angle? When you get all that data downloaded and you have all the surveying points mapped out, you can take that data and plug it into a computer program and back everything up from the impact point. Using the computer data and points mapped out on the road, you can figure out precisely what happened. You can establish as a fact what happened and take out the " he said, she said " element of the case. Do I need a truck accident attorney? Quickly retaining an experienced truck accident attorney is absolutely critical . The trucking companies and their insurers have teams of lawyers and experts who immediately start investigating and building their case. You need someone on your side to make sure the real facts of the case get recorded. Call Wham & Rogers Wham & Rogers, PLLC are highly experienced truck accident lawyers in Spring, The Woodlands, Conroe and Houston. We have the skills and expertise you need to win your 18 wheeler collision case. Please call us at (832) 592-1108 for a free consultation, or submit your information here .
By Rene Rogers 30 Apr, 2024
The first step you should take is to hire an experienced wrongful death attorney. Losing a family member to violence or an accident is a staggering blow. It can be hard to know what steps to take and how to protect your family. Wham & Rogers offers experienced, compassionate representation to families suffering from the wrongful death of a spouse, parent or child. If your spouse, parent or child has suffered a fatal injury in an accident or due to the violent act of another, it is important to retain an experienced wrongful death attorney as soon as possible so the attorney can gather and preserve critical evidence before it is destroyed. What damages are recoverable in a wrongful death lawsuit? Economic damages , such as medical bills, funeral expenses, lost wages and loss of household services can be recovered in a wrongful death claim. Non-economic damages such as emotional pain and suffering, loss of companionship, and mental anguish are recoverable. Punitive damages may be awarded in cases where the person causing the death acted with malice or gross negligence. These damages are designed to punish the wrongdoer and to act as a deterrent to others who may engage in the same wrongful behavior. How long do I have to make a claim for wrongful death? As a general rule, the statute of limitations for wrongful death is two years from the date of the negligence resulting in the fatality . This means you will have two years from the date of the negligence to file suit. However, it is advisable to retain a wrongful death attorney as soon as possible since it is important to gather evidence before it is destroyed. Which family members have a right to file a wrongful death claim? The surviving spouse, children and parents of the person who died has a right to bring a wrongful death claim. If the spouse, children or parents don’t bring the wrongful death claim, then the executor or administrator of the estate has the right to bring the wrongful death claim. What is a survival claim? If your family member did not die immediately, a personal injury claim may be filed for treatment expenses and each beneficiary of the estate may receive a portion of the recovery. Who can be held responsible for the wrongful death of my family member? A person who negligently, recklessly or intentionally caused the death of a person may be held responsible. Examples of wrongful death claims include trucking and automobile collisions, medical negligence, products liability, on the job injuries, and deaths due to inadequate security of premises. How do you prove a wrongful death case in Texas? In Texas, you must prove that a legal duty owed to the deceased was breached, causing the wrongful death. For example, there is a legal duty to operate a truck in accordance with the traffic laws in Texas. If the truck driver is speeding or fails to keep a proper lookout causing a wrongful death, that duty is breached and the trucking company may be liable for the wrongful death. How do I pay for a wrongful death lawsuit? The attorneys at Wham & Rogers handle wrongful death cases on a contingency basis. This means that you do not have to pay us unless there is a monetary recovery in the wrongful death claim. The attorneys at Wham & Rogers are experienced in handling wrongful death claims with skill, kindness and compassion. Please call 832-592-1108 , or text 832-413-1428 for a free consultation.
By Rene Rogers 30 Apr, 2024
We receive calls daily from injured people who can’t find a doctor to treat them. Their primary care physician won’t see them, and they can’t find an orthopedic specialist who will see them. Sometimes, doctors walk out of the examination room once they find that the patient was in an accident . Why is this happening? There are a number of reasons doctors do not want to see injured patients. Delays in payment by health insurance companies: Health insurance companies may take the position that the patient’s auto insurance personal injury protection coverage is primary and should pay before the health insurance pays. Doctors do not want to wait to be paid until after this issue is sorted out. Health insurance may not pay until subrogation (right to be reimbursed) issues are taken care of, so that the health insurance company knows it will be paid back from any settlement. Harassment by auto insurance companies: Doctors who treat injured patients have become a target of auto insurance companies. Insurance defense attorneys send extremely burdensome, overly broad depositions on written questions (questionnaires) requiring the doctors to dig through years of data about payments received for treating injured patients. Auto insurance companies have also sued doctors who treat injured people, accusing them of fraud, conspiracy and the like. Auto insurers accuse doctors of performing unneeded treatment and/or overcharging for treatment. Auto insurers also retain “hired guns” to testify against treating doctors, criticizing the treating doctor’s every decision, even though the “hired gun” has never seen the patient. Why do insurance companies use these tactics? They want to make it harder for people to receive treatment so they can pay less to injured claimants and increase insurance company profits. How can I find a doctor to treat me following my accident? The attorneys at Wham & Rogers can help facilitate prompt medical treatment for you. Sometimes it is just a matter of letting the health insurance company know their subrogation interests (right to be reimbursed) will be protected. We can also help injured clients access their personal injury protection coverage to pay some of their medical bills. If you have been injured and are having trouble finding a doctor to treat you, please give Wham & Rogers a call at 832-592-1108 or text 832-413-1428 for a free consultation.
By Mark Wham 22 Apr, 2024
Each year, 600 Texans are killed and 10,000 more are injured in trucking collisions. After a trucking crash, quick action is required. The trucking companies have legal teams ready to act after a crash occurs. They immediately send experts to the crash site, photographing and measuring the roadway and interviewing the witnesses. So if you or a loved one is injured or killed in a trucking collision, letters requiring preservation of evidence should be sent immediately to the trucking company and to its insurers. Your lawyer should retain experts to perform computerized mapping of the crash site and to download the electronic control module of the 18-wheeler. And then after that, a qualified trucking liability expert should be retained to address the federal safety regulations that are critical to handling a truck crash claim. If you've been hit by a truck or commercial vehicle in The Woodlands, Spring or Conroe, you need an experienced attorney on your side. Please give us a call at (832) 592-1108 for a free consultation, or submit the contact form here.
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The information on this website is for general information purposes only. None of the information on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. 

By Ryan Wham 16 May, 2024
I had a client ask me recently, "With no witnesses to this crash, and with different stories coming from each side, how can we prove what actually happened? " With the right expertise and the right resources, it's actually possible to do that. How do trucking companies react after an 18 wheeler accident? When there's a major collision, generally speaking, there will be an investigation at first by police officers and sometimes state troopers who report to major crashes, especially fatality investigations. Also, in many instances when a commercial vehicle is involved, investigators hired by the corporation involved in the crash will go to the scene to investigate. What should my lawyer do to investigate a trucking collision? If you are fortunate enough to obtain legal representation early on, your attorneys will also send people to the scene to gather data. Investigators look for skid marks, tire marks, debris fields from the vehicles that collided. They also look for gouge marks where pieces of metal came into contact with the asphalt. And they map out precisely where all those points are with surveying equipment so they have all the data points. What data does an 18 wheeler record after a crash? All modern vehicles, have something called an electronic control module (ECM) or an electronic data recorder. Those are similar to the black box in an airplane. In a passenger car, the triggering event for the ECM is usually an airbag deployment. In a commercial vehicle like an 18-wheeler, many times the triggering event is a hard braking event, such as when the truckers slams on the brakes or just when the truck slows down abruptly. The computer will record a snapshot going back in time anywhere from five seconds to about a minute and record everything that the vehicle was doing. What evidence is useful to my trucking accident lawsuit? The speed when the driver hits the brakes can be useful. It is also helpful to know if the driver was using cruise control, wearing a seat belt, steering and if so, what angle? When you get all that data downloaded and you have all the surveying points mapped out, you can take that data and plug it into a computer program and back everything up from the impact point. Using the computer data and points mapped out on the road, you can figure out precisely what happened. You can establish as a fact what happened and take out the " he said, she said " element of the case. Do I need a truck accident attorney? Quickly retaining an experienced truck accident attorney is absolutely critical . The trucking companies and their insurers have teams of lawyers and experts who immediately start investigating and building their case. You need someone on your side to make sure the real facts of the case get recorded. Call Wham & Rogers Wham & Rogers, PLLC are highly experienced truck accident lawyers in Spring, The Woodlands, Conroe and Houston. We have the skills and expertise you need to win your 18 wheeler collision case. Please call us at (832) 592-1108 for a free consultation, or submit your information here .
By Rene Rogers 30 Apr, 2024
The first step you should take is to hire an experienced wrongful death attorney. Losing a family member to violence or an accident is a staggering blow. It can be hard to know what steps to take and how to protect your family. Wham & Rogers offers experienced, compassionate representation to families suffering from the wrongful death of a spouse, parent or child. If your spouse, parent or child has suffered a fatal injury in an accident or due to the violent act of another, it is important to retain an experienced wrongful death attorney as soon as possible so the attorney can gather and preserve critical evidence before it is destroyed. What damages are recoverable in a wrongful death lawsuit? Economic damages , such as medical bills, funeral expenses, lost wages and loss of household services can be recovered in a wrongful death claim. Non-economic damages such as emotional pain and suffering, loss of companionship, and mental anguish are recoverable. Punitive damages may be awarded in cases where the person causing the death acted with malice or gross negligence. These damages are designed to punish the wrongdoer and to act as a deterrent to others who may engage in the same wrongful behavior. How long do I have to make a claim for wrongful death? As a general rule, the statute of limitations for wrongful death is two years from the date of the negligence resulting in the fatality . This means you will have two years from the date of the negligence to file suit. However, it is advisable to retain a wrongful death attorney as soon as possible since it is important to gather evidence before it is destroyed. Which family members have a right to file a wrongful death claim? The surviving spouse, children and parents of the person who died has a right to bring a wrongful death claim. If the spouse, children or parents don’t bring the wrongful death claim, then the executor or administrator of the estate has the right to bring the wrongful death claim. What is a survival claim? If your family member did not die immediately, a personal injury claim may be filed for treatment expenses and each beneficiary of the estate may receive a portion of the recovery. Who can be held responsible for the wrongful death of my family member? A person who negligently, recklessly or intentionally caused the death of a person may be held responsible. Examples of wrongful death claims include trucking and automobile collisions, medical negligence, products liability, on the job injuries, and deaths due to inadequate security of premises. How do you prove a wrongful death case in Texas? In Texas, you must prove that a legal duty owed to the deceased was breached, causing the wrongful death. For example, there is a legal duty to operate a truck in accordance with the traffic laws in Texas. If the truck driver is speeding or fails to keep a proper lookout causing a wrongful death, that duty is breached and the trucking company may be liable for the wrongful death. How do I pay for a wrongful death lawsuit? The attorneys at Wham & Rogers handle wrongful death cases on a contingency basis. This means that you do not have to pay us unless there is a monetary recovery in the wrongful death claim. The attorneys at Wham & Rogers are experienced in handling wrongful death claims with skill, kindness and compassion. Please call 832-592-1108 , or text 832-413-1428 for a free consultation.
By Rene Rogers 30 Apr, 2024
We receive calls daily from injured people who can’t find a doctor to treat them. Their primary care physician won’t see them, and they can’t find an orthopedic specialist who will see them. Sometimes, doctors walk out of the examination room once they find that the patient was in an accident . Why is this happening? There are a number of reasons doctors do not want to see injured patients. Delays in payment by health insurance companies: Health insurance companies may take the position that the patient’s auto insurance personal injury protection coverage is primary and should pay before the health insurance pays. Doctors do not want to wait to be paid until after this issue is sorted out. Health insurance may not pay until subrogation (right to be reimbursed) issues are taken care of, so that the health insurance company knows it will be paid back from any settlement. Harassment by auto insurance companies: Doctors who treat injured patients have become a target of auto insurance companies. Insurance defense attorneys send extremely burdensome, overly broad depositions on written questions (questionnaires) requiring the doctors to dig through years of data about payments received for treating injured patients. Auto insurance companies have also sued doctors who treat injured people, accusing them of fraud, conspiracy and the like. Auto insurers accuse doctors of performing unneeded treatment and/or overcharging for treatment. Auto insurers also retain “hired guns” to testify against treating doctors, criticizing the treating doctor’s every decision, even though the “hired gun” has never seen the patient. Why do insurance companies use these tactics? They want to make it harder for people to receive treatment so they can pay less to injured claimants and increase insurance company profits. How can I find a doctor to treat me following my accident? The attorneys at Wham & Rogers can help facilitate prompt medical treatment for you. Sometimes it is just a matter of letting the health insurance company know their subrogation interests (right to be reimbursed) will be protected. We can also help injured clients access their personal injury protection coverage to pay some of their medical bills. If you have been injured and are having trouble finding a doctor to treat you, please give Wham & Rogers a call at 832-592-1108 or text 832-413-1428 for a free consultation.
By Mark Wham 22 Apr, 2024
Each year, 600 Texans are killed and 10,000 more are injured in trucking collisions. After a trucking crash, quick action is required. The trucking companies have legal teams ready to act after a crash occurs. They immediately send experts to the crash site, photographing and measuring the roadway and interviewing the witnesses. So if you or a loved one is injured or killed in a trucking collision, letters requiring preservation of evidence should be sent immediately to the trucking company and to its insurers. Your lawyer should retain experts to perform computerized mapping of the crash site and to download the electronic control module of the 18-wheeler. And then after that, a qualified trucking liability expert should be retained to address the federal safety regulations that are critical to handling a truck crash claim. If you've been hit by a truck or commercial vehicle in The Woodlands, Spring or Conroe, you need an experienced attorney on your side. Please give us a call at (832) 592-1108 for a free consultation, or submit the contact form here.
By Rene Rogers 17 Apr, 2024
What are the Most Dangerous Vehicles on Our Roads? 18 -wheelers are the deadliest vehicles on our highways. Each year, 600 Texans are killed, and 10,000 more are injured in trucking collisions. It’s obvious why 18-wheelers are so dangerous. They weigh twenty to thirty times more than passenger cars, have a much higher ground clearance, and require twenty to forty percent further to stop. Do Truck Drivers Have to Comply with Higher Safety Standards? Because of these dangers, the Motor Carrier Safety Regulations require higher standards for commercial drivers; driving a Commercial Motor Vehicle requires a higher level of knowledge, skill, and physical abilities than is required of other drivers. Truck drivers must know the safety rules and follow them. Trucking companies must have safety policies and implement safety training programs. Truckers must conduct pre-trip and post-trip inspections of their trucks. Why is Quick Action Essential After a Trucking Collision? If you or a loved one is injured or killed in a trucking collision, quick action is required. The trucking companies have legal teams ready to act when a crash occurs. They send experts to the crash site, to photograph and measure the roadway, and to interview witnesses in order to try to minimize their liability. You need someone acting on your behalf to gather evidence and to ensure evidence is not destroyed. What Must be Done to Preserve Evidence Following a Collision With a Big Rig? Preservation of evidence letters should be sent to the trucking company and its insurers. Experts should be retained to perform computerized mapping of the crash site, and to download the 18 wheeler's electronic control module. A qualified trucking liability expert should be retained to address the federal safety regulation violations that are critical to handling truck crash claims. When we investigate trucking collisions, we often find that trucking companies fail to implement and follow adequate safety procedures, including failing to conduct the proper pre- and post-trip inspections. These failures to follow safety procedures often lead to otherwise avoidable collisions. Which Law Firm Should I Hire After an 18-Wheeler Collision? The attorneys at Wham & Rogers have the expertise and resources to handle trucking cases. We can get experts to the scene and have them gather data and download the electronic control module of the 18-wheeler before vital evidence is lost or destroyed. If you or a loved one has been in a collision with an 18-wheeler, the lawyers at Wham & Rogers can help you. Call 832-592-1108 or text 832-413-1428 for a free consultation.
Wham & Rogers, Texas Attorneys
By Mark Wham 09 Apr, 2024
1. Do I really need a personal injury lawyer? Yes, if you have a significant injury, choosing the right lawyer to handle your injury claim matters. Now more than ever, having the right lawyer can make a tremendous difference for the success of your claim. Insurance companies use sophisticated negotiation tactics to help them minimize your claim, or even avoid paying altogether. And make no mistake—the claims adjuster is not on your side. The adjuster, in a very real sense, is your opponent, and is specifically trained to make sure you don’t receive the maximum recovery you’re entitled to. 2. Does it really make a difference which lawyer I hire? Absolutely. The stronger your lawyer, the stronger your claim. Insurance companies keep track of which lawye rs have the experience, the resources, and the willingness to fight for their clients. They know which law firms are high-volume firms looking for a quick, easy settlement, and which lawyers are willing to do the hard work of fighting to get full justice. We have had clients contact us because a high-volume firm dropped their case after the insurance company “denied liability” and refused to pay quickly. 3. How do I find the best personal injury attorney? First, look at the lawyer’s qualifications and credentials. For example, the State Bar of Texas has a Board of Legal Specialization that certifies lawyers who are experts at handling personal injury claims. Fewer than 3% of Texas lawyers are Board Certified in Personal Injury Trial Law. You should also check the lawyer’s ethics. One of the best sources is Martindale-Hubbel’s attorney ratings. The highest rating is AV-Preeminent—which means the lawyer is considered ethical by his peers and has demonstrated the highest level of competence. Next, consider the size of the firm. If you are represented by a large law firm, chances are you will not be represented by the best, most experienced lawyer at that firm, and your case will instead be “handed down” to an associate for handling. Hiring a “boutique” litigation firm, with fewer lawyers handling fewer cases, will mean that the firm’s top lawyers are directly involved in the handling of your claim. Beware of firms that advertise “billions of dollars in past recoveries.” Quite often, those recoveries include class action case results, involving thousands of clients, with each client receiving a relatively small recovery. Look instead for a lawyer who has a record of achieving substantial recoveries for individual clients. Find a lawyer who has “been there, done that.” Specific experience is important, so look for a lawyer who has widespread experience handling serious injury claims, including wrongful death claims, truck crash cases, and complex cases involving complicated injuries such as paralysis and traumatic brain injury. Wham & Rogers attorneys have over 70 years combined experience in personal injury law. Mark Wham is Board Certified in Personal Injury Law. Rene Rogers has been AV Rated by Martindale-Hubbel for 30 years. Ryan Wham attended one of the best law schools in the country, the University of Texas School of law and was a member of UT’s prestigious Law Review. Prior to going to work for his parents at Wham & Rogers, Ryan worked at one of the largest law firms in the world. If you are looking for a highly qualified, experienced personal injury firm, contact Wham & Rogers for a free consultation. Call 832-592-1108 or text 832-413-1428 .
By Rene Rogers 09 Apr, 2024
We are often asked whether pedestrians or cars have the right of way on pathways and at intersections. Many trails or pathways which cross intersections have stop signs. Pedestrians and bicyclists must obey these signs when they come to an intersection. When approaching an intersection, pedestrians should always stop and look both ways before crossing the intersection. If there is a traffic control device, pedestrians should always wait for the “walk” light to be illuminated before proceeding. Pedestrians, cyclists, and runners should slow down to allow enough time when nearing an intersection that is not controlled by a traffic signal.
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