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A fall happens in seconds. One moment you are walking through a grocery aisle or heading down a stairwell, and the next you are on the ground trying to figure out what just happened. Most people get up, apologize, and keep...

Most people only deal with a serious collision once or twice in a lifetime. That inexperience is not a character flaw, but it does create openings for costly errors, especially in the first days after a wreck when the...