Three years have passed since six-year-old Craig Thompson lost his right arm in a suburban St. Paul auto accident, but his family has yet to receive a cent in compensation. Reason: the insurance company involved has gone broke. Los Angeles Motorist Dominga Lopez found herself in a different kind of bind. She carried a $100-deductible policy, and her insurance company tried to get her to pay $200 damages herself by insisting that a three-car smashup was actually two separate accidents. In Memphis, a collision with a city bus cost Businessman T. J....
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