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2 What you need to know before applying for benefits: Police report required: The crime must be reported to a police agency within 12 months of the incident or within 12 months of when it could have reasonably been reported. Signature required: You must sign your completed application, or we will be unable to proceed. Payer of last resort: Our program provides benefits only when all other financial sources (such as medical, auto or life insurance) have been exhausted. Limi.

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