This is a good one: An insured was out in his yard doing yard work. All of a sudden he sees a person running and being chased by a policeman - the guy runs right by him over his fence into his back yard. So - he immediately goes after him because his kids are in the back yard. He though doesn't make it over the fence - but falls and cracks his back. (Kids are fine and the bad guy was caught). However, in a split second the insured is disabled for well over 18mths. With his disability benefits - they kept their house, car and dignity!!!
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