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marries with us in Chicago hi Mary welcome to the Dave Ramsey show thanks a lot Dave hows it going today better than I deserve whats up in your world well last year I was involved in a car accident I was very ended on the highway and I went through physical therapy and actually had a concussion so I need to wear special glasses and my injuries that do come in and kind of interrupt my job and what I do but the reason why Im calling is because I received a letter from the opposing insurance carrier and they said that theyre trying to contact me regarding a settlement of my injury claim so Im just wondering what is it what exactly is that that a money settlement Im sure Im sure theyre trying to settle with you do you have an attorney representing you no I dont and I dont know if I should show you it sounds like it sounds like this is a very very serious injury I mean its Im blasted right Im so severe and its not as bad as other accidents though I know I appreciate your posi