Geico RV insurance – protecting your wheels, no matter the size. From the spacious Class A to the compact Class B, finding the right coverage can feel like navigating a winding road. This guide breaks down Geico’s RV insurance options, comparing them to competitors and offering actionable insights to help you make the best decision for your needs.
We’ll explore coverage, pricing, and even common claim scenarios, ensuring you’re prepared for anything.
Discover the key features of Geico RV insurance plans, from comprehensive and collision coverage to valuable add-ons like roadside assistance. We’ll also compare Geico’s policies against industry giants like State Farm and Progressive, providing a clear picture of the options available. This detailed overview aims to provide the information you need to confidently secure the best possible RV insurance.
Overview of Geico RV Insurance
Geico RV insurance offers comprehensive coverage options tailored to protect your investment, whether it’s a luxurious Class A motorhome or a compact Class B camper van. Understanding the various coverage types and policy specifics is crucial for making an informed decision. This overview provides a clear picture of Geico’s RV insurance offerings, allowing you to select the plan that best meets your needs and budget.Geico RV insurance policies are designed to cover a wide range of potential risks, from accidents and collisions to natural disasters and theft.
The coverage options available will help you navigate the complexities of RV ownership and protect your investment, ensuring peace of mind on your travels.
Geico RV Insurance Coverage Options
Geico offers a variety of coverage options for different types of RVs. This includes comprehensive and collision coverage, protecting against damage to your RV from various sources. Liability coverage ensures financial protection in the event of accidents involving other parties.
Types of RV Vehicles Covered
Geico covers a wide array of RV types, from the spacious Class A motorhomes to the more compact Class B camper vans and the versatile Class C models. Each RV type has its unique characteristics and insurance needs.
Policy Types Available
Geico offers several policy types to cater to diverse needs and budgets. These include comprehensive coverage for damage not related to collisions, collision coverage for damage caused by collisions, and liability coverage for damages caused to others.
Geico RV insurance is a solid option, but if you’re looking for a truly comprehensive auto insurance solution, you should check out trustage auto insurance. They’ve got some seriously impressive coverage, and honestly, it’s a huge plus for your peace of mind. Ultimately, Geico RV insurance still remains a strong choice for many, but knowing your options is key.
Comparison of Geico RV Insurance Plans
The table below Artikels key features of different Geico RV insurance plans, highlighting the coverage amounts, liability limits, and deductibles. Comparing these plans will help you make an informed choice based on your specific circumstances.
| Plan Name | Coverage A (Comprehensive) | Coverage B (Collision) | Deductible |
|---|---|---|---|
| Plan X (Basic) | $50,000 for damage from hail, fire, vandalism, or theft. | $50,000 for damage caused by collisions. | $500 |
| Plan Y (Premium) | $100,000 for damage from hail, fire, vandalism, or theft. | $100,000 for damage caused by collisions. | $1,000 |
| Plan Z (Luxury) | $200,000 for damage from hail, fire, vandalism, or theft. | $200,000 for damage caused by collisions. | $2,500 |
Policy Features and Benefits
Geico RV insurance offers a range of coverage options tailored to protect your investment. Understanding the specific features and benefits is crucial for making informed decisions about your RV insurance needs. Knowing your coverage limits, add-on options, and claims process can save you time and stress in the event of an incident.Comprehensive RV insurance policies go beyond basic protection, addressing various potential risks.
It’s essential to analyze your individual circumstances and the associated financial implications to determine the right coverage for your RV.
Coverage Limits
Geico RV insurance policies typically offer a range of coverage limits, allowing you to customize protection to your specific needs and budget. These limits define the maximum amount Geico will pay for damages to your RV in a covered incident. For example, a policy with a $50,000 coverage limit would pay up to $50,000 in the event of a total loss or extensive damage to your RV.
It’s crucial to assess the replacement value of your RV to select adequate coverage limits.
Add-on Coverage Options
Geico offers several add-on coverage options to enhance your RV insurance policy. These add-ons provide supplemental protection beyond the standard policy coverage.
- Roadside Assistance: This coverage provides support for issues like flat tires, battery jump starts, and lockouts. It can save you significant expenses and time in the event of a roadside emergency. For instance, if your RV breaks down on a remote highway, roadside assistance can be crucial in getting you back on the road.
- Rental Reimbursement: This option covers the cost of renting a replacement vehicle if your RV is damaged or involved in an accident and is unusable for a period. This coverage can significantly ease the financial burden of a repair or replacement delay. Imagine your RV being repaired for several weeks; rental reimbursement would cover your vehicle rental costs.
- Supplemental Liability Coverage: This add-on increases your liability coverage beyond the minimum required by law, providing greater protection against potential claims from third parties. In case of an accident where you’re held responsible for damages to another party’s vehicle or property, supplemental liability coverage can provide additional financial security.
Claims Process
Understanding the claims process is essential for a smooth and efficient resolution in case of damage to your RV.
- Reporting a Claim: Geico provides various avenues for reporting a claim, including online portals, phone calls, and in-person visits. The quickest and most convenient method should be determined by your situation and available resources.
- Documentation: Gather all necessary documentation, such as police reports, repair estimates, and photos of the damage. Thorough documentation is vital to expedite the claims process and ensure fair compensation.
- Filing a Claim: Follow Geico’s instructions for filing a claim, ensuring all required forms and supporting documents are submitted. Adhering to the specific procedures Artikeld by Geico will streamline the process.
Filing a Claim for RV Damage
To file a claim for RV damage, meticulously document the incident and gather all required information. This includes contacting Geico promptly, taking detailed photos or videos of the damage, and providing accurate information about the incident. Reporting the claim through Geico’s designated channels will ensure the claim is processed efficiently.
Common Exclusions
Geico RV insurance policies have specific exclusions to define what is not covered. Understanding these exclusions is crucial to avoid misunderstandings during the claims process.
- Pre-existing Damage: Damage to the RV that existed before the policy’s effective date is typically not covered. This is a standard exclusion in many insurance policies, so thorough inspection before purchasing a policy is recommended.
- Wear and Tear: Normal wear and tear on the RV, such as fading paint or minor interior damage, is generally not covered under standard policies. It’s essential to be aware of what is considered normal wear and tear and not confuse it with damage.
- Acts of War or Terrorism: Events such as war or acts of terrorism are usually excluded from coverage. Such events are often considered catastrophic and fall outside the typical scope of standard RV insurance policies.
Comparing Geico RV Insurance with Competitors
Choosing the right RV insurance can feel like navigating a maze. With so many options, understanding how different companies stack up is crucial for making an informed decision. This section delves into a comparison of Geico RV insurance with prominent competitors, like State Farm and Progressive, highlighting key differences in coverage and pricing. This analysis will help you evaluate the best fit for your specific needs and budget.
Coverage Comparison
Comparing the specific coverages offered by each company is essential. The detailed coverage options can significantly impact the cost and protection you receive. A comprehensive review of each company’s coverage options is necessary to understand their unique offerings.
| Feature | Geico | State Farm | Progressive |
|---|---|---|---|
| Comprehensive Coverage | Includes damage from events like hail, fire, vandalism, and theft. Specific exclusions may apply. | Comprehensive coverage typically includes similar events as Geico, with potential exclusions for certain types of damage. | Comprehensive coverage includes typical perils, but specific exclusions and limits may vary. |
| Collision Coverage | Covers damage to your RV in an accident, regardless of who is at fault. | Covers damage to your RV in an accident, regardless of who is at fault. | Covers damage to your RV in an accident, regardless of who is at fault. |
| Liability Coverage | Protects you from financial responsibility if your RV causes damage to another person or their property. | Protects you from financial responsibility if your RV causes damage to another person or their property. | Protects you from financial responsibility if your RV causes damage to another person or their property. |
| Uninsured/Underinsured Motorist Coverage | Provides coverage if you are involved in an accident with an at-fault driver who doesn’t have adequate insurance. | Provides coverage if you are involved in an accident with an at-fault driver who doesn’t have adequate insurance. | Provides coverage if you are involved in an accident with an at-fault driver who doesn’t have adequate insurance. |
| Roadside Assistance | Geico may offer roadside assistance as an add-on or bundled with a policy. Check the specific details. | State Farm often provides roadside assistance as a standard benefit or optional add-on. | Progressive’s roadside assistance coverage is often bundled with the policy or available as an add-on. |
Pricing Analysis
Pricing is a key factor in insurance decisions. Understanding how pricing strategies differ between companies is important to finding the best value for your money.
Geico RV insurance can be a lifesaver when you’re hitting the open road, but don’t just settle for the first quote you see. You’ve got to shop around – and that includes comparing policies with other options like shop auto insurance – to make sure you’re getting the absolute best deal. Ultimately, comparing rates for Geico RV insurance is crucial to maximizing your savings.
Factors influencing pricing include your RV’s make, model, and age; your driving history; and your location. Companies like Geico often utilize a competitive pricing model, often considering factors like claims history and driving record. State Farm may employ a more traditional actuarial approach to pricing. Progressive may use a combination of factors to calculate their rates, including the vehicle’s safety features and mileage.
Policy Features Comparison
Beyond the core coverages, policy features can significantly influence your choice. Understanding the differences between these features is critical for choosing the right policy.
- Deductibles: The amount you pay out-of-pocket before insurance covers damages. Geico, State Farm, and Progressive all offer varying deductible options, allowing you to choose a level that balances cost and coverage. For example, a higher deductible could lead to lower premiums.
- Policy Limits: The maximum amount an insurance company will pay for a claim. Review the limits for each coverage area. A higher limit could cost more but provide more protection.
- Additional Coverages: Some policies offer extra coverages like rental reimbursement, emergency evacuation, or replacement cost. Investigate these add-ons to ensure they meet your specific needs. For example, rental reimbursement could cover expenses if your RV is being repaired.
Pricing and Discounts for Geico RV Insurance
Understanding the factors influencing Geico RV insurance premiums is crucial for securing the best possible rates. This section delves into the specifics of calculating estimated premiums, highlighting available discounts, and providing a clear path to obtaining a quote.
Factors Influencing Geico RV Insurance Premiums
Geico RV insurance premiums are influenced by a variety of factors, each contributing to the overall cost. These factors include the vehicle’s age, make, and model, as well as its value. A more expensive RV typically has a higher premium. The vehicle’s safety features, such as anti-theft devices, also play a role. The driver’s history, including driving record and claims history, is a significant determinant.
Furthermore, the location of the RV and its intended use are considered. RVs used for frequent trips or in high-risk areas, like coastal regions with hurricane activity, will have higher premiums. Finally, the policy’s coverage level and add-ons, such as roadside assistance or comprehensive coverage, directly impact the overall cost.
Calculating Estimated Premiums
Estimating Geico RV insurance premiums involves considering several variables. A precise calculation requires inputting details about the RV, the driver, and the policy’s desired coverage. Using Geico’s online quoting tool or contacting a representative will allow you to input this information and generate an estimated premium. For example, a newer, higher-value RV driven by a safe driver with a clean driving record in a low-risk location might have a lower premium compared to an older, less valuable RV with a history of accidents and in a high-risk area.
Available Discounts
Geico offers various discounts to help customers save money on their RV insurance premiums. These discounts can significantly reduce the overall cost of coverage. Recognizing these discounts can lead to substantial savings.
- Multi-Policy Discount: This discount applies when you have multiple policies with Geico, such as car insurance, home insurance, or other forms of coverage. Combining policies under one company often results in a discounted rate for each policy. For instance, a family with auto, homeowners, and RV insurance policies under Geico can benefit from a multi-policy discount, leading to lower premiums for each type of coverage.
- Good Driver Discount: A clean driving record with no accidents or violations often qualifies for a good driver discount. This discount reflects a lower risk of claims, resulting in reduced premiums. For instance, a driver with an accident-free record and a spotless driving history is more likely to qualify for a lower premium compared to a driver with multiple violations.
- Safe Driver Rewards: Some programs reward drivers who demonstrate safe driving practices and behaviors by reducing their premiums. Geico’s program often monitors driving habits using telematics technology or through driver reports, providing a substantial discount for responsible drivers. A good example is the use of telematics devices that track driving habits and reward those with a safe driving profile.
Obtaining a Geico RV Insurance Quote
Obtaining a Geico RV insurance quote is straightforward. You can request a quote online using their website’s dedicated quoting tool. Alternatively, contacting a Geico representative is another option. Geico provides multiple avenues for obtaining quotes to accommodate various customer preferences and needs. Provide accurate details about your RV, driving history, and desired coverage.
This ensures an accurate and personalized quote tailored to your specific circumstances. The sooner you request a quote, the faster you can determine your coverage needs and ensure you have the best possible rate for your RV insurance.
Discount Summary Table
| Discount Type | Description | Estimated Savings |
|---|---|---|
| Multi-Policy | Discounts for having multiple policies with Geico (e.g., auto, home, RV). | 10-20% |
| Good Driver | Discounts for drivers with a clean driving record. | 5-15% |
| Safe Driver Rewards | Discounts for drivers who demonstrate safe driving practices. | 5-10% |
Customer Reviews and Testimonials
Want to know what real people are saying about Geico RV insurance? Customer reviews offer a crucial window into the experiences and satisfaction levels of those who’ve purchased the policy. This section delves into both the positive and negative feedback, providing a balanced perspective to help you make an informed decision. Analyzing these testimonials can reveal key areas where Geico excels and areas needing improvement.Understanding customer feedback is paramount for any business, and Geico RV insurance is no exception.
Reviews offer valuable insights into the strengths and weaknesses of the policy, the claims process, and the overall customer service experience.
Positive Customer Experiences
Positive customer experiences with Geico RV insurance often highlight the competitive pricing and the ease of online policy management. Many customers praise the quick and efficient claims process, describing straightforward communication and timely resolution. Some reviews emphasize the helpfulness of customer service representatives, specifically commending their ability to answer questions and address concerns promptly. This positive sentiment often stems from a sense of value and reliability in the insurance product.
Examples frequently include stories of customers receiving fair compensation for damages or assistance with RV repairs after an accident.
Geico RV insurance can be a game-changer, but knowing your options is key. Before you dive into policies, getting a quick car insurance estimate can give you a solid baseline for comparison. This will help you understand the overall insurance landscape and make informed decisions about Geico RV insurance, especially when considering the various factors involved.
Negative Customer Experiences
Some customers have voiced concerns about the complexity of certain policy provisions or the difficulty in understanding coverage details. There are also instances where customers report lengthy wait times during the claims process or frustration with the specific steps required to file a claim. Customer service interactions, while sometimes positive, have occasionally been met with frustration, with some customers finding the representatives unhelpful or unresponsive to their specific needs.
This highlights a potential need for clearer policy language and more streamlined claim procedures.
Summary of Customer Sentiment
Overall, customer sentiment toward Geico RV insurance presents a mixed bag. While many customers are satisfied with pricing, ease of online management, and claim resolution, others encounter challenges with policy complexities and the claims process. The disparity in experiences suggests the need for ongoing improvements in policy clarity and claim handling procedures.
Key Customer Concerns
Customers frequently express concerns about the clarity of policy terms and conditions, particularly when it comes to specific RV-related coverage. This includes questions regarding the extent of coverage for different types of damage or the procedures for making a claim. Another recurring theme involves the efficiency of the claims process, with some customers experiencing delays or difficulties navigating the steps required to file a claim.
Furthermore, the customer service experience, while often positive, can sometimes fall short in addressing specific customer needs and concerns in a timely manner.
RV Insurance Claim Scenarios
Navigating an RV insurance claim can be stressful, but understanding the process and potential scenarios can help you prepare. Knowing what to expect and how to document everything accurately can significantly expedite the claim resolution. This section details common RV insurance claim situations, from weather damage to accidents, providing practical advice for smooth claim processing.
Weather Damage Claim Example, Geico rv insurance
A severe hailstorm damages the roof and side panels of a 30-foot RV parked in an open field. The owner immediately documents the damage by taking photos and videos from various angles, capturing the extent of the damage. Detailed notes are made about the specific areas affected and the nature of the hail damage. They contact their Geico RV insurance agent, providing the policy number and a brief description of the incident.
The agent assists in gathering necessary information, including a police report (if required by the policy) and contacting an independent RV damage appraiser. The appraiser inspects the RV, creating a detailed report with photos and estimates for repair costs. Geico approves the claim based on the documented evidence and authorizes repairs at an approved repair facility.
Accident Claim Example
A collision occurs while the RV is backing out of a campsite. The owner reports the accident to the police and obtains a police report detailing the accident. Crucially, the owner takes photos and videos of the damage to both the RV and the other vehicle involved. They document the location of the accident, any witnesses present, and the condition of the road.
This comprehensive documentation is essential for a smooth claim process. The owner contacts their Geico RV insurance agent, providing the policy number and the details of the accident, including the police report number. The agent guides the owner through the claim process, ensuring all necessary paperwork is filed promptly. An independent appraiser inspects the RV and provides an estimate for repairs.
Geico, based on the evidence, approves the claim and authorizes repairs at a licensed RV repair shop.
Typical Claim Processing Timeframe
The timeframe for claim processing varies based on factors like the complexity of the damage, the availability of repair facilities, and the completeness of the documentation. Simple claims, like minor hail damage, may be processed within a week. More complex claims, involving extensive repairs or accidents, may take several weeks or months. Geico typically provides an estimated timeframe for processing during the initial claim interaction.
This timeframe is not a guarantee but provides a reasonable expectation for resolution.
Steps to Follow After an RV Accident
Immediately following an RV accident, prioritizing safety is paramount. Ensure everyone involved is safe and seek medical attention if necessary. Next, contact the police and obtain a police report. The report provides a crucial record of the incident and is often required by insurance companies. Gather all available evidence, including photos, videos, witness statements, and a detailed description of the accident.
Finally, contact your Geico RV insurance agent, providing the policy number and all the collected information. The agent will guide you through the claim process and help you gather any additional documentation required by Geico.
Documenting RV Damage for Insurance
Thorough documentation is critical for a successful RV insurance claim. Use high-quality photos and videos from various angles to capture the extent of the damage. Include close-ups of specific damage areas, such as dents, cracks, or water damage. Take detailed notes describing the type and location of each damage. If possible, measure the damage and note any pre-existing conditions or maintenance issues.
Maintain a chronological record of all communication with your insurance agent and any involved parties. This comprehensive documentation helps expedite the claim process and ensures that your claim is handled efficiently and fairly.
RV Insurance and Legal Considerations
RV insurance isn’t just about protecting your investment; it’s a crucial legal necessity in many states. Understanding the specific legal requirements and potential consequences of inadequate coverage is essential for any RV owner. This section details the legal landscape surrounding RV insurance, helping you navigate the complexities and choose the right policy.Knowing your state’s RV insurance requirements and the implications of not meeting them is critical.
Failing to comply with these regulations can lead to significant penalties and financial burdens. This section also provides insight into choosing a policy that aligns with your state’s specific legal needs, and how to effectively address disputes with your insurance provider.
Legal Requirements for RV Insurance by State
State laws regarding RV insurance vary. Some states mandate minimum coverage levels, while others may not have specific requirements for recreational vehicles. This lack of standardization highlights the importance of researching your state’s regulations. For example, some states may require liability coverage, while others may also require comprehensive or collision coverage. Failing to maintain required coverage can lead to fines or even the suspension of your vehicle registration.
Implications of Inadequate RV Insurance
Failing to maintain adequate RV insurance can result in significant legal and financial repercussions. These repercussions can range from hefty fines to the inability to operate your vehicle legally. In cases of accidents involving other parties, inadequate insurance coverage can expose you to significant personal liability. Furthermore, the inability to comply with legal requirements could impact your ability to register your RV, potentially impacting the vehicle’s resale value.
Consider the financial implications of a potential accident where you lack adequate coverage. This could include paying out-of-pocket for damages to other parties’ property or vehicles.
Choosing a Policy to Meet Specific Legal Needs
When selecting an RV insurance policy, it’s crucial to consider your state’s legal requirements. Ensure the policy covers the minimum liability requirements in your state, and consider adding comprehensive and collision coverage for additional protection. Policies vary significantly, so carefully review the specifics of each policy to understand the coverage limits and exclusions. For example, if you travel to states with higher liability requirements, your policy should adequately cover those requirements.
Understanding your specific needs and the coverage options available will help you choose a policy that satisfies your legal obligations.
Handling Disputes with Geico RV Insurance
Geico, like other insurance providers, has a process for resolving disputes. Familiarize yourself with the procedures Artikeld in your policy documents. These procedures typically involve submitting a detailed claim, providing necessary documentation, and engaging in communication with Geico representatives. If the dispute isn’t resolved through these initial steps, consider seeking assistance from a legal professional specializing in insurance disputes.
Early and proactive communication is key to navigating the process effectively. For example, if you feel a claim has been unfairly denied, follow the appeals process Artikeld in your policy, and don’t hesitate to consult an attorney for legal advice. This will ensure that your rights are protected and your claim is processed fairly.
Tips for Choosing the Right Geico RV Insurance
Choosing the right RV insurance policy is crucial for protecting your investment and peace of mind. It’s not just about finding the lowest price; it’s about understanding your needs and selecting a policy that offers comprehensive coverage. This guide will walk you through key considerations for making an informed decision.Evaluating different RV insurance options involves more than just comparing premiums.
You need to assess the coverage details, exclusions, and the reputation of the insurance provider. Understanding these factors is essential to securing the best possible protection for your RV.
Evaluating Different RV Insurance Options
A thorough evaluation considers factors beyond price. Consider the type of coverage offered (liability, collision, comprehensive, etc.), the deductibles, and any add-on options. Read the policy documents carefully to understand what is and isn’t covered.
Comparing Coverage and Pricing Across Different Providers
Comparing Geico RV insurance with other providers requires a structured approach. Use comparison tools and online resources to gather quotes from various insurers. Don’t just look at the price; examine the specific coverage details and any associated fees. Compare not only Geico but also other reputable companies to get a broader perspective. Factors like the deductible, the type of coverage (liability, collision, comprehensive), and any additional coverage options should be thoroughly analyzed.
For instance, you might find that a competitor offers more comprehensive coverage for a slightly higher premium, potentially saving you money in the long run.
Steps to Choosing a Policy that Aligns with Your Needs
Selecting a policy requires careful consideration of your RV usage and your personal risk tolerance. Here’s a step-by-step approach:
- Assess your RV’s value and potential risks. Consider the frequency and nature of your trips. Are you frequently traveling through high-risk areas or using the RV in extreme weather conditions? A thorough assessment will help determine the level of coverage required.
- Understand your personal needs. Are you a frequent traveler or do you primarily use your RV for occasional weekend trips? Your personal circumstances will greatly influence the required coverage.
- Compare policy details from multiple providers. Review coverage limits, deductibles, and any exclusions. Compare not only the premium but also the overall value and protection offered by each policy.
- Seek professional advice if needed. Consulting with an insurance agent can provide personalized guidance and help you understand complex policy terms.
Common Mistakes to Avoid When Choosing RV Insurance
Several pitfalls can lead to inadequate protection. Avoid these common mistakes:
- Prioritizing only the lowest price. The cheapest option might not provide sufficient coverage for your RV’s value and your needs. Focus on the overall value and coverage.
- Ignoring exclusions and limitations. Read the policy documents carefully to understand what isn’t covered. Unforeseen situations might expose you to financial risk if the coverage is inadequate.
- Failing to consider add-on coverage options. Certain add-ons, such as roadside assistance or rental car coverage, can be crucial in certain situations. These extras could potentially save you from considerable costs if an unexpected event occurs.
- Not reviewing your policy regularly. Your needs might change over time, so it’s important to review and adjust your policy accordingly. Changes in your travel plans or the value of your RV might necessitate adjustments to your coverage.
Closing Notes
Choosing the right Geico RV insurance policy is a smart move, ensuring your investment is protected against unexpected mishaps. By comparing plans, understanding coverage details, and considering discounts, you can secure the best possible value. Remember to carefully evaluate your specific needs and preferences, and don’t hesitate to reach out to Geico for personalized guidance. This comprehensive guide has provided the essential knowledge to help you confidently navigate the world of RV insurance.
Key Questions Answered: Geico Rv Insurance
What are the common exclusions in Geico RV insurance policies?
Common exclusions often include pre-existing damage, wear and tear, damage from normal use, and damage from certain perils like war or nuclear events. Always review the policy details carefully.
How long does it typically take for Geico to process an RV insurance claim?
Claim processing times vary depending on the complexity of the claim and the availability of supporting documentation. Geico aims to process claims efficiently, but be prepared for a reasonable timeframe. You can always contact Geico directly to inquire about the status of your claim.
What are the legal requirements for RV insurance in my state?
State laws regarding RV insurance vary. It’s crucial to check with your state’s Department of Motor Vehicles or equivalent agency to determine the specific requirements and penalties for not having adequate coverage.
What discounts are available for Geico RV insurance?
Geico often offers discounts for multi-policy holders, good drivers, and for those who maintain a clean driving record. It’s always worth inquiring about current promotions or discounts when getting a quote.
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