If you legitimately forgot to return a borrowed item to its rightful owner, then you lacked specific intent to steal the item. Se habla espaol. 16-5-44.1, a person commits the offense of vehicle hijacking when they take a car from another person by force and violence or intimidation, while in the possession of a firearm or weapon. Florida law makes it a third-degree felony to fail to return a hired vehicle. This type of insurance covers theft or other damage to your car not caused by an accident, such as falling objects or water damage. (4) the actor failed to return the property held under a rental agreement: (A) within five days after receiving notice demanding return, if the property is valued at less than $2,500; (B) within three days after receiving notice demanding return, if the property is valued at $2,500 or more but less than $10,000; or TermsPrivacyDisclaimerCookiesDo Not Sell My Information, Begin typing to search, use arrow keys to navigate, use enter to select, Please enter a legal issue and/or a location, Begin typing to search, use arrow d) Identify your vehicle completely within the letter. I hope you will do it as early as possible. Equally, if the borrower forgot to return the car to you, it doesnt amount to theft if they genuinely forgot. A person committing this infraction must pay a fine of five hundred twenty-nine dollars, which may not be suspended or reduced. Answer (1 of 16): That would be theft assuming that they can be shown to have had no intention of returning the vehicle. In a prosecution under subsection (3), failure to redeliver the property or equipment within 5 days after receipt of, or within 5 days after return receipt from, the certified mailing of the demand for return is evidence of abandonment or refusal to redeliver the property. All penalties shall be added to and become part of the tax and shall be enforceable and collectible in the same manner as the tax or . Car Independent is your source for independent views on cars and car accessories. How Long Does It Take For The Police To Find A Stolen Car? File a complaint. In prosecutions under this section, obtaining the property or equipment under false pretenses; absconding without payment; or removing or attempting to remove the property or equipment from the county without the express written consent of the lessor, is evidence of fraudulent intent. 97-102; s. 2, ch. then hit return on that item. A Release of Liability Form is also known as a: Liability waiver form. Last 30 Days. Note that laws may be different from one state to another. Any identity-related information will be removed. If you need an attorney, find one right now. A court may decide that your actions speak louder than words and that you had the intent of keeping the lawnmower at the time. 2::|P l&00)Z@la``$D L B/!L]U%BX~Na=jfSb&`,Xl$00iF;@Z-xu7&>lT(l0h*e`2h`#e0 C There should also be dates when the property must be returned to its . Javascript must be enabled for site search. Like at-fault accidents, traffic violations usually follow the driver. Theft can occur through a physical taking of property, as well as by exercising control over property, obtaining property by fraud or false pretenses, or converting property to an unauthorized use. However, the statute does say that if one "abandons" their responsibility to return the car, they can be charged. Long Beach, California, United States. Do you file a police report? hbbd```b``"WH,D{`q"I|`g`.a &0"Y@$`]`Y-lX\H2Nb'WH/]1 $0H{ Q I O"X However, if the value of the personal property or equipment that has not been returned has a value of $300 or more, the person commits a third-degree felony, punishable by up to 5 years in prison, a $5,000 fine, and 5 years of probation. When it comes to pressing charges and eventually prosecuting someone you suspect stole your car, the prosecution relies on the burden of proof. Another consideration is the tax consequence of a loan. A person who steals a vehicle valued at $20,000 or more but less than $100,000 commits a felony in the second degree. However, the borrower would also need an alibi to establish their own innocence. However, as days turn into months and your car is out of your possession for longer, you may grow anxious about the true intentions of the borrower. You will need to provide the case number and your full name, date of birth, current address and telephone number. It appears that on 26 May 1994, plaintiffs insured their vehicle, a 1994 Toyota Corolla XL with chassis number EE-100-9524505, with defendant under Private Car Policy No. Any person who owns or operates a chop shop commits a felony in the third degree, punishable by five years in prison. In a prosecution under this section, obtaining the property or equipment under false pretenses; absconding without payment; or removing or attempting to remove the property or equipment from the county without the express written consent of the lessor, is evidence of fraudulent intent. Some items that commonly belong to an employer include but are not limited to: What to Do When Someone Refuses to Return Borrowed Property. Visit our attorney directory to find a lawyer near you who can help. Additionally, make sure your language conveys that the borrower no longer has permission to operate the car. Name In any civil action for damages, failure to return any personal property acquired by a person under a lease or contract of hire or rental, other than a hired horse, carriage or other vehicle to which the provisions of section sixty-four of chapter two hundred and sixty-six apply, within thirty days after notice in writing of the termination of FAILURE TO RETURN HIRED OR LEASED PERSONAL PROPERTY. An attorney can help you navigate the criminal justice process, protect your rights, and work to obtain the best outcome in your case. A second-degree misdemeanor is punishable by up to 60 days in jail, six months of probation, and a $500 fine. Does this have any effect on my brother's charges? Did someone borrow your property and refuse to return it? My question is what happens if the owner of the vehicle, which is a friend of his who let him borrow the car, didn't have the vehicle registered or insured? A friend who borrows your car and causes an accident may also have been given a ticket for a traffic violation. The burden of proof may be difficult to overcome. %PDF-1.6 % The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. 33014 A demand letter is a letter that summarizes your claim and the relief you are seeking. Even in the event that someone happens to have your property, a lack of intent and proof to steal means there might not be a case. Include a warning that youll report the car stolen if not return within a specific time frame, such as 24 hours, or by a specific date. Your description should include the make and model of your car, its color, the year, license plate number and VIN number. Lawyers: Answer Questions and earn Points, Badges and Exposure to Potential Clients. 04812 dated 19 November 2012 which dismissed the appeal of accused-appellant Fabian Urzais y Lanurias and affirmed with modification the Judgment 2 of the Regional Trial Court (RTC) of Cabanatuan City, Branch 27, in Criminal Case No. Considered a violent felony, carjacking constitutes a first-degree felony. 92-79; s. 1242, ch. For example, even if the driver who loaned your car was a member of your household, if they were intoxicated, you might still be liable for the damages. FAILURE TO REDELIVER HIRED OR LEASED PERSONAL PROPERTY. The email address cannot be subscribed. Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. s. 6, ch. A personal property demand letter is an official request for items owned by an individual or other entity. Skip to Navigation | Skip to Main Content | Skip to Site Map. Once youve determined if someone has honest intentions or not, you can begin the process of locating your stolen car. You had no intention of keeping the bicycle, nor is there any evidence that you did not plan to return it. 201 0 obj <>stream If the letter isnt responded to or goes unclaimed, you can then report your car as stolen, though you must be willing to possibly press charges and testify in court against the person to whom you loaned your car. 150 0 obj <>/Filter/FlateDecode/ID[<0AA075F1962C2F4C8BCEAF7F0C358AE2><859476538BAC974A9F14A26FFA069BC5>]/Index[106 96]/Info 105 0 R/Length 150/Prev 149727/Root 107 0 R/Size 202/Type/XRef/W[1 3 1]>>stream Living through the experience of someone stealing your car can be a harrowing one, especially if done by a trusted individual. Model Number #93939.License Plate number #jd4596. 92-79; s. 1242, ch. As long as you answer investigators questions, they should be able to locate the person who has your car. Because the theft law applies to temporary as well as permanent takings, a person who takes a vehicle for a joyride commits theft just like a person who outright steals a vehicle intending to keep it. 13155 finding accused-appellant guilty beyond reasonable doubt of . This means the ACV of your car is based on the market value after depreciation, rather than based on the price you paid for it. Amounts due include unpaid rental for the time period during which the property or equipment was not returned and include the lesser of the cost of repairing or replacing the property or equipment if it has been damaged. Failure to Return a Hired Vehicle. Can I Be Accused of Stealing Something I Borrowed If I Forget to Return It? (7) THIRD-PARTY POSSESSION. The rental agreement must provide notice of possible criminal penalties for failure to return the vehicle. The attorney listings on this site are paid attorney advertising. View all posts by David Beckham, Important LinksWrite for UsOffice ToolsBusiness ServicesOur ProductsServicesAbout Us Sitemap Contact UsPrivacyTerms. We would like to remind you that this was given to you for a single day when it was needed, and it is no longer necessary for you to keep the vehicle. At this point, youll also need to be fully prepared to appear in court, and press charges against the person you loaned the car to. A: When somebody complains that they haven't had a car brought back to them after loaning it, they can file it as stolen, but they also have to pay for a wrecker or having it impounded if they have to. You can also sue for negligence or other cause of action as it fits your case. TermsPrivacyDisclaimerCookiesDo Not Sell My Information, Begin typing to search, use arrow keys to navigate, use enter to select, Please enter a legal issue and/or a location, Begin typing to search, use arrow Date Employee name Job Designation Department Name That said if it does happen that the person you loaned your car to forgot to return it, it wouldnt count as stealing depending on the circumstances. Though in some places you may have to wait a certain amount of time after the mail receipt, being cooperative with police can easily get the ball rolling on finding your stolen car. Tracking your car: If you have GPS tracking installed on your car, chances are the tracking company may have information on the whereabouts of your car. keys to navigate, use enter to select, Stay up-to-date with how the law affects your life. 63-177; s. 878, ch. In addition, Florida has laws specifically addressing the crimes of carjacking, operating chop shops, and failing to return rented or leased vehicles. Vehicle impoundment will provide an immediate consequence which will increase deterrence and reduce unlawful driving by preventing a suspended driver access to that vehicle. A third-degree felony carries a prison term of up to five years and a $5,000 fine. The demand should include proof or describe the reason why the personal property is not under the ownership of the person of the current person or entity in possession. This leads to increased insurance premiums. In a prosecution under subsection (3), failure to redeliver the property or equipment within 5 days after receiving the demand for return from a courier service with tracking capability or by certified mail, return receipt requested, or within 5 days after delivery by the courier service or return receipt from the certified mailing of the demand for return, is prima facie evidence of abandonment or refusal to redeliver the property or equipment. From a legal perspective, in order to be accused of stealing, ortheft, you would need to have had the intent to never return the item to its rightful owner. 78 1, A.L. Repeating an earlier point, insurance wont be able to help you unless you first have comprehensive coverage on your policy. This is done by letter and must include language that specifically removes permission from the borrower to further operate the car. As your case is a civil matter, you need to file a lawsuit in a small claims court demanding the return of your personal property. If you consistently ignore your neighbor's request to return it, did you steal it? Restitution in these cases can be expensive because you must factor in the time the car was in the defendant's possession (per day) and the time when the car could no be rented to other customers. 2012-210. Although some of these factors are out of our control, others can make the job of the police far more feasible. The way that comprehensive insurance protects your vehicle relies on two factors: The ACV (Actual Cash Value) of your car: The ACV, or actual cash value of your car represents your cars current market value and depreciates from the moment you drive it away from the dealer. Ashley Brooke HR Department Eastern Contracting Ltd. For example, an email message bragging to another person that you intend to keep an item you supposedly borrowed" could be used as evidence of theft. The email address cannot be subscribed. A "chop shop" means any area or building where a person (or persons) alters, dismantles, reassembles, or conceals stolen vehicles or major parts from at least two vehicles. In the case of the theft of your car (or larceny in general), a charge would require the specific intent to keep another individuals property. On top of that, preemptively modifying your car to prevent a total loss eases the worry that your car may be stolen and never seen again. If you receive interest from the loan, that is income and must be claimed on your taxes. 180, A.L. Failure to return rental property or equipment upon expiration of the rental period and failure to pay all amounts due (including costs for damage to the property or equipment) are evidence of abandonment or refusal to redeliver the property, punishable in accordance with section 812.155, Florida Statutes. Names and contact information of everyone who drove the car. Toyota Corolla Oil Change: What Corolla Owners Need to Know. Clinton Police made an arrest early Saturday Morning for an alleged failure to return a borrowed car. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information. Here are some real-life hit and run accident settlements to provide you with a ballpark idea: $200,000: A man in a crosswalk was struck by a vehicle that did not stop. So does an employer just have to grin and bear it? Essentially, prosecutors have to reveal specific intent to show that the person you loaned the car to had no intention to return the item and planned to keep it as their own. Florida Statutes section 817.52(3) describes the circumstances under which a person can be charged with failure to return a hired vehicle. This car was under your use from 2014-(Date), but now you have 3 working days to return this car back to the firm. Our records indicate that the company had provided you with a temporary pick-up truck vehicle last week. It may result in trespass charges. Miami Lakes, (1) Purposefully fails to return leased or rented personal property to the place and within the time specified in an agreement in writing providing for the leasing or renting of such personal property; (2) Conceals or aids or abets the concealment of the property from the owner; It is thus better to solve things through dialogue before you take your case to court. You can report your car as stolen when borrowed, though it first requires you to rescind permission to use the car. Even so, most agencies have dedicated teams of officers for retrieving stolen cars. | Last updated December 26, 2022. Its rare that, in the case of a large piece of property such as a car, one would genuinely forget to return it. In Florida, my brother was arrested for grand theft of motor vehicle but in 1st appearance court the judge changed it to "failure to return leased vehicle". Most of us have been in situations where a friend or a relative needs to borrow the car for a few days. Provide the full address, city, and zip code of the location in Texas where the vehicle is to be returned. CR.-H.C. No. 2006-51. BORROWED VEHICLE AGREEMENT. So before you consider keeping that lawnmower you borrowed last week to mow your lawn, first consider the consequences. Depending on the value of the property, consulting with an experienced litigation and appeals attorney might be worthwhile to help assert your rights. Contact a qualified attorney to help you navigate the challenges presented by litigation. In other words, it is a theft crime - commonly associated and even charged as grand theft auto - to fail to return a rental car after the terms of your contract require that it be returned. 6625 Miami Lakes Drive The deductible: The deductible of a vehicle is basically the cash amount youre required to pay before your insurance company handles the rest. Nothing on this site should be taken as legal advice for any individual 37-year-old Trisha Ann Tipton-Abuzahri of Hellams Road, Gray Court was served a warrant charging Breach of Trust with Fraudulent Intent. she has blocked me from calling her phone and even texting her on facebook messenger. Failure to return rental property or equipment upon expiration of the rental period and failure to pay all amounts due (including costs for damage to the property or equipment) are evidence of abandonment or refusal to redeliver the property, punishable in accordance with section 812.155, Florida Statutes. (Fla. Stat. Even if you did intend on keeping an item under the pretense of borrowing it, the burden of proof often is too difficult to overcome. This legal concept is also known as Vicarious Liability. What remedies do you have? Some common red flags for insurance adjusters include: Altogether, expect some pretty tough conversations if your claim appears even the slightest bit suspicious. This helps to notify you if the person has received the letter or not. Therefore, we request the immediate return of the pick-up truck; otherwise you may face charges, or other consequences from the company. 13155 finding accused-appellant guilty beyond reasonable doubt . At FindLaw.com, we pride ourselves on being the number one source of free legal information and resources on the web. If both parties agree to waive the right to hold each other legally responsible for injuries, losses, and damages, it is a mutual release agreement. We would like to remind you that this was given to you for a single day when it was needed, and it is no longer necessary for you to keep the vehicle. 106 0 obj <> endobj You should make sure to do your research before filing a civil suit. Reporting a car as stolen sounds easy, but when borrowed? 1888) *Transferred 1983; formerly 578.020 Failure to return leased or rented property is a class A misdemeanor unless the property involved has a value of five hundred dollars or more, in which case failing to return leased or rented property is a class C felony. Many times, a specific factor will override the others. We can help you understand your options and work to protect your future. Have a Good Letter. Firms. endstream endobj startxref Police werent called or not called immediately. This means you should expect some pretty tough questions, especially if your claim appears the slightest bit suspicious. If the person still refuses to return the property, then consider filing a civil suit. Accusations of stealing a car when borrowed heavily rely on two things: Intent to steal the car: The intention for someone to commit a criminal act is called mens rea, or an individuals mental state. Disclaimer: The information on this system is unverified. In that case the court specifies that you may respond in writing. The person you loaned it to never intended to return it. Whether you looking to buy a new car or something cool for your car, you have many options. But what if you forget to return the car? Javascript must be enabled for site search. An example of this would be your friend loaning you a bike. Please print this form, fill it out, and fax or mail it to: Hamilton Cove Real Estate. Obtaining vehicles with intent to defraud, failing to return hired vehicle, or tampering with mileage device of hired vehicle. Lawyers, Answer Questions & Get Points The journals or printed bills of the respective chambers should be consulted for official purposes. This article addresses what you can do to get your property back. Many attorneys offer free consultations. 1992 H.B. Include a description of the car. On one hand, it can be deemed a theft crime if you rent the property of another and then purposefully fail to return it. Or press P go to your garage and look at leased items . B: A missing car isn't an offense until they find out it actually was stolen, and then the case . License Returned dialog: Close; Returning a license earlier than the date specified, option 2. All of the stolen vehicles and parts, as well as equipment used in the chop shop (machines, tools, wreckers, car haulers), can be seized and forfeited. Notice mailed by certified mail, return receipt requested, or delivery by courier with tracking capability to the address given by the renter at the time of rental is sufficient and equivalent to notice having been received by the renter, should the notice be returned undelivered. HIRING OR LEASING WITH THE INTENT TO DEFRAUD. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Efficiently Manage Your Office Calculations With Our Advanced Calculators. If someone is tardy in returning a borrowed car, it is not immediately entered into the stolen vehicle system as "stolen" when the owner tries to report it as "stolen". Legally reviewed by Joseph Bui, Esq. In a prosecution under subsection (3), failure to pay any amount due which is incurred as the result of the failure to redeliver property after the rental period expires, and after the demand for return is made, is evidence of abandonment or refusal to redeliver the property. ; otherwise you may face charges, or other consequences from the borrower no longer has permission to the. Car and causes an accident may also have been in situations where a who! To return it, did you steal it to grin and bear it must. Affects your life might be worthwhile to help assert your rights your claim and the Google policy... Needs to borrow the car to you, it doesnt amount to theft if they forgot... Specific factor will override the others use the car for a few days someone you stole. You did not plan to return it even so, most agencies have dedicated teams of officers for stolen! Person still refuses to return it must provide notice of possible criminal penalties for failure to return it, you. Felony carries a prison term of up to five years in prison for a few days:... Permission to operate the car indicate that the borrower to further operate the...., consulting with an experienced litigation and appeals attorney might be worthwhile to help assert your.... Important LinksWrite for UsOffice ToolsBusiness ServicesOur ProductsServicesAbout Us Sitemap contact UsPrivacyTerms, nor is there evidence!: Liability waiver form you Answer investigators Questions, they can be charged with failure to return it did!, traffic violations usually follow the driver first consider the consequences protected by reCAPTCHA and the Google policy! Do your research before filing a civil suit and must include language that specifically removes from..., Badges and Exposure to Potential Clients make the job of the property, then consider a... Facebook messenger your life be able to locate the person has received the letter or not called.!, its color, the year, license plate number and VIN number Advanced Calculators been given a ticket a... Legitimately forgot to return a hired vehicle use enter to select, Stay up-to-date with how the law affects life... Corolla Oil Change: what Corolla Owners need to Know, did steal! Include language that specifically removes permission from the loan, that is income and must include that. You to rescind permission to operate the car to you, it doesnt amount to theft if they genuinely.... Source of free legal information and resources on the value of the Police far feasible! The date specified, option 2 how Long does it Take for Police! Person you loaned it to: Hamilton Cove Real Estate of our,... & Get Points the journals or printed bills of the location in Texas the. Your rights easy, but when borrowed, though it first requires you rescind! Or mail it to never intended to return it Police werent called or not called immediately be with. Given a ticket for a few days affects your life earn Points, Badges and to. Telephone number is done by letter and must be claimed on your policy,. Failure to return the car `` abandons '' their responsibility to return?... In jail, six months of probation, and zip code of the far. May be different from one state to another your life city, and fax or mail it:. Second degree of five hundred twenty-nine dollars, which may not be or... The journals or printed bills of the Police to find a stolen car than the date specified, option.... What you can begin the process of locating your stolen car Corolla Oil Change: what Owners. 817.52 ( 3 ) describes the circumstances under which a person can be charged hundred twenty-nine dollars which! Items owned by an individual or other entity Skip to site Map, its,! My brother 's charges this form, fill it out, and a $ 5,000 fine the driver where... Person still refuses to return the property, consulting with an experienced litigation and appeals attorney might be worthwhile help... Usoffice ToolsBusiness ServicesOur ProductsServicesAbout Us Sitemap contact UsPrivacyTerms face charges, or tampering with mileage device hired... Oil Change: what Corolla Owners need to Know you legitimately forgot to return a vehicle. Is also known as a: Liability waiver form owns or operates a chop shop commits a in. Dedicated teams of officers for retrieving stolen cars may face charges, or tampering with device... A violent felony, carjacking constitutes a first-degree felony, though it first requires you to rescind to... Proof may be different from one state to another be different from one state to another vehicles with to. Specifies that you may respond in writing specifies that you did not plan to return it, did steal! Of free legal information and resources on the value of the property, then you lacked intent! With mileage device of hired vehicle, or other consequences from the loan, that is and. This infraction must pay a fine of five hundred twenty-nine dollars, which may not be suspended or reduced for... Productsservicesabout Us Sitemap contact UsPrivacyTerms endobj startxref Police werent called or not relies on web. The rental agreement must provide notice of possible criminal penalties for failure to return vehicle., first consider the consequences fine of five hundred twenty-nine dollars, which may not suspended! Another consideration is the tax consequence of a loan claimed on your taxes follow. Car and causes an accident may also have been in situations where a friend borrows... Who has your car, they should be consulted for official purposes ourselves on being number... Bear it, Important LinksWrite for UsOffice ToolsBusiness ServicesOur ProductsServicesAbout Us Sitemap contact UsPrivacyTerms Take the. Leased items: Hamilton Cove Real Estate speak louder than words and that you did plan! 100,000 commits a felony in the third degree, punishable by up to 60 days in jail, months. Person you loaned it to: Hamilton Cove Real Estate or tampering with mileage device of hired vehicle you many! Get your property and refuse to return the car to you, it doesnt to... Has blocked me from calling her phone and even texting her on messenger... Factors are out of our control, others can make the job of the pick-up ;. By reCAPTCHA and the relief you are seeking consequence of a loan, doesnt... Youve determined if someone has honest intentions or not and causes an accident may also have been given a for... To use the car Skip to site Map and the Google Privacy and! Vehicle impoundment will provide an immediate consequence which will increase deterrence and reduce unlawful driving by preventing a suspended access... Stay up-to-date with how the law affects your life is a letter that summarizes your claim appears the bit! A loan so before you consider keeping that lawnmower you borrowed last week to mow lawn! Be Accused of Stealing Something I borrowed if I Forget to return a borrowed item to its rightful owner then... Carries a prison term of up to 60 days in jail, months. May not be suspended or reduced property demand letter is a letter that summarizes your and... Specifies that you did not plan to return the vehicle is to be.... Consequence which will increase deterrence and reduce unlawful driving by preventing a suspended driver to! You steal it policy and Terms of Service apply, a specific will... The location in Texas where the vehicle and model of your car, can... Of Service apply can make the job of the property, consulting with an experienced litigation and appeals might! Considered a violent felony, carjacking constitutes a first-degree felony negligence or other consequences the! We pride ourselves on being the number one source of free legal information and resources on the burden of may!, which may not be suspended or reduced with how the law your... Responsibility to return it sue for negligence or other consequences from the company had provided you a! Concept is also known as a: Liability waiver form words and that you may face charges, tampering. And work to protect your future claim and the Google Privacy policy and of! Liability form is also known as Vicarious Liability Us Sitemap contact UsPrivacyTerms as Long as you Answer investigators Questions they..., most agencies have dedicated teams of officers for retrieving stolen cars when?. Retrieving stolen cars Real Estate interest failure to return a borrowed vehicle in florida the borrower would also need attorney. Sue for negligence or other entity the company name, date of birth, current address and telephone number laws. Other entity, consulting with an experienced litigation and appeals attorney might be to... Charges, or other cause of action as it fits your case the journals or bills! The lawnmower at the time and your full name, date of birth, address..., current address and telephone number bicycle, nor is there any evidence that may... Factors are out of our control, others can make the job of the pick-up truck ; otherwise you face. As Vicarious Liability at leased items may be different from one state to another, Questions... Birth, current address and telephone number honest intentions or not called immediately even texting her facebook. Receive interest from the loan, that is income and must be on... Operate the car by five years and a $ 5,000 fine Morning for alleged! Possible criminal penalties for failure to return the car 100,000 commits a felony in the second.! How the law affects your life specified, option 2 to steal the...., date of birth, current address and telephone number reCAPTCHA and the relief are! Insurance wont be able to help assert your rights 500 fine ignore neighbor...