{"id":25184,"date":"2022-03-01T21:24:05","date_gmt":"2022-03-01T13:24:05","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=25184"},"modified":"2023-06-28T12:04:25","modified_gmt":"2023-06-28T04:04:25","slug":"claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan","title":{"rendered":"Claim Insurans Kemalangan: Kereta Terlanggar Divider, Bolehkah Buat Tuntutan?"},"content":{"rendered":"\n<p>Ketika sedang memandu, setiap daripada kita terdedah dengan pelbagai risiko yang merbahaya dalam sekelip mata. Selain risiko kemalangan dilanggar oleh pengguna jalan raya lain, kita juga boleh terbabit dalam kemalangan secara sendirian. Antaranya terlanggar pembahagi jalan atau <em>divider<\/em> yang ada di atas jalan raya.<\/p>\n\n\n\n<p>Jika seseorang pemandu itu terlanggar <em>divider <\/em>jalan, maka terdapat kemungkinan bahawa akan berlaku kerosakan teruk pada kenderaannya.<\/p>\n\n\n\n<p>Sekiranya situasi tersebut berlaku, adakah anda sebagai pemandu dan pemilik kenderaan boleh membuat tuntutan insurans untuk membaiki kerosakan pada kereta anda itu?<\/p>\n\n\n\n<p>Untuk mengetahui dengan lebih lanjut, teruskan membaca artikel ini.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\">Dapatkan Sebut Harga<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69df120a9b782\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69df120a9b782\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/#Tahu_dulu_jenis_perlindungan_insurans\" title=\"Tahu dulu jenis perlindungan insurans \">Tahu dulu jenis perlindungan insurans <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/#Di_bawah_tuntutan_apakah_ia_boleh_dilakukan\" title=\"Di bawah tuntutan apakah ia boleh dilakukan?\">Di bawah tuntutan apakah ia boleh dilakukan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/#Kereta_dipandu_oleh_orang_lain_bolehkah_claim_insurans_kemalangan\" title=\"Kereta dipandu oleh orang lain, bolehkah claim insurans kemalangan?\">Kereta dipandu oleh orang lain, bolehkah claim insurans kemalangan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/#Cara_claim_insurans_kemalangan_sendiri\" title=\"Cara claim insurans kemalangan sendiri\">Cara claim insurans kemalangan sendiri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/#Fahami_bentuk_perlindungan_yang_disediakan\" title=\"Fahami bentuk perlindungan yang disediakan\">Fahami bentuk perlindungan yang disediakan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tahu_dulu_jenis_perlindungan_insurans\"><\/span>Tahu dulu jenis perlindungan insurans <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum itu, jom imbas semula jenis-jenis <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> yang ada di pasaran beserta bentuk perlindungan yang diberikan oleh syarikat insurans untuk pemahaman anda:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/__WU-6YiYY9JzwThKEAGYss7rtR4uVS4NWwWHqyNLa6hNvqUy8-gF6L8eLGpcrqglVYSIVGoJKKLdBda1WlfqkSQfCZQWO7Sqkr9WR8LMMq_L3MJsNJnZ1qpIrvOvMRBQyzaEZ9U\" alt=\"Jenis polisi insurans yang ada di pasaran\"\/><\/figure>\n\n\n\n<p>Berdasarkan jadual di atas, anda dapat lihat bahawa satu-satunya insurans yang menyediakan perlindungan untuk membaiki kerosakan pada kenderaan sendiri akibat kecuaian\/ kemalangan sendiri adalah polisi insurans jenis komprehensif.\u00a0<\/p>\n\n\n\n<p>Jadi, sekiranya anda adalah <strong>pemegang polisi komprehensif<\/strong>, maka ya, anda boleh membuat tuntutan insurans bagi membaiki kerosakan pada kenderaan anda akibat daripada kemalangan itu.<\/p>\n\n\n\n<p>Selain daripada polisi tersebut, maka kerosakan pada kenderaan anda itu tidak boleh dituntut dan perlu dibaiki menggunakan wang sendiri, atas apa alasan sekalipun.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Di_bawah_tuntutan_apakah_ia_boleh_dilakukan\"><\/span>Di bawah tuntutan apakah ia boleh dilakukan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"25186\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\/attachment\/220301_a1-01-03\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"220301_A1-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tuntutan boleh dibuat sekiranya anda adalah pemegang polisi komprehensif sahaja.\" class=\"wp-image-25186\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-03.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Memandangkan kemalangan tersebut tidak melibatkan orang lain, dan kesalahan tersebut berpunca daripada kecuaian anda sebagai pemandu, maka anda perlu membuat tuntutan di bawah Tuntutan Kerosakan Sendiri atau <em>Own Damage Claim<\/em> di bawah polisi komprehensif anda.<\/p>\n\n\n\n<p>Bagaimanapun perlu anda tahu, sebaik sahaja tuntutan dibuat,<a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\"> NCD insurans kereta<\/a> anda akan secara automatik kembali ke kadar 0%. Kesannya, premium insurans anda pada pembaharuan insurans akan datang akan menjadi lebih mahal.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kereta_dipandu_oleh_orang_lain_bolehkah_claim_insurans_kemalangan\"><\/span>Kereta dipandu oleh orang lain, bolehkah <em>claim<\/em> insurans kemalangan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat kemungkinan kemalangan tersebut bukan disebabkan oleh pemilik kenderaan itu sendiri, tetapi individu lain yang memandu kenderaan terbabit.&nbsp;<\/p>\n\n\n\n<p>Jika ia berlaku, adakah tuntutan insurans masih tetap boleh dibuat?<\/p>\n\n\n\n<p>Jawapannya adalah ya, tuntutan di bawah Tuntutan Kerosakan Sendiri tetap boleh dibuat terhadap syarikat insurans. Namun masih dengan syarat yang sama, iaitu <strong>pemilik kenderaan berkenaan adalah pemegang polisi komprehensif<\/strong>.<\/p>\n\n\n\n<p>Walau bagaimanapun, anda perlu tahu bahawa anda sebagai pemilik kenderaan akan <strong>dikehendaki untuk membayar excess sebanyak RM400 sekiranya pemandu terbabit tidak dinamakan di dalam polisi anda<\/strong>.\u00a0<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_claim_insurans_kemalangan_sendiri\"><\/span>Cara claim insurans kemalangan sendiri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Di bawah ini dikongsikan <a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-kemalangan-sendiri-tuntutan-own-damage\/\">cara claim insurans kemalangan sendiri <\/a>bagi membaiki kerosakan pada kereta anda akibat terlanggar <em>divider<\/em> atau pembahagi jalan:<\/p>\n\n\n\n<ol><li>Hubungi talian <em>hotline<\/em> syarikat insurans anda jika kenderaan mengalami kerosakan teruk dan perlukan pertolongan khidmat tunda<\/li><li>Segera buat laporan di balai polis dalam tempoh 24 jam<\/li><li>Hantar kenderaan ke bengkel panel insurans anda untuk memudahkan proses tuntutan<\/li><li>Sediakan dokumen; i) borang tuntutan ii) salinan asal laporan polis iii) salinan kad pengenalan iv) salinan lesen memandu v) geran kereta<\/li><li>Semak dengan syarikat insurans mengenai alat ganti baik pulih yang dibuat oleh bengkel panel anda<\/li><li>Tandatangan borang pelepasan syarikat insurans jika anda sudah berpuas hati dengan kereta anda selepas dibaik pulih.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_bentuk_perlindungan_yang_disediakan\"><\/span>Fahami bentuk perlindungan yang disediakan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang dijelaskan sebelum ini, setiap polisi insurans menyediakan perlindungan yang berbeza. Hanya satu jenis polisi sahaja yang akan membolehkan anda untuk membuat tuntutan insurans sekiranya terbabit kemalangan sendiri, iaitu polisi komprehensif.<\/p>\n\n\n\n<p>Justeru itu, penting untuk anda memahami setiap pelan atau perlindungan yang disediakan oleh syarikat insurans bagi mengelakkan kekeliruan terutamanya ketika proses tuntutan.&nbsp;<\/p>\n\n\n\n<p>Nasihat Bjak buat anda, dapatkanlah perlindungan yang secukupnya untuk kenderaan anda, sebagai contoh mengambil polisi komprehensif sekiranya masih layak. Anda juga disarankan untuk mendapatkan perlindungan tambahan yang dirasakan perlu bagi mengelakkan beban kewangan jika berlaku sesuatu kelak. Ketahui jenis-jenis perlindungan tambahan yang boleh anda miliki melalui artikel ini.<\/p>\n\n\n\n<p>Jika insurans anda hampir tamat tempoh, renew segera hari ini secara<em> online<\/em> di Bjak. 15 pilihan insurans dengan pelan terbaik disediakan untuk anda pilih. Minta sebut harga sekarang dan terima dalam hanya tempoh 3 minit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\">Dapatkan Sebut Harga<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/claim-insurans-terlanggar-tiang\/\">Bolehkah Claim Insurans Jika Kereta Terlanggar Tiang Lampu Isyarat?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kenderaan-langgar-haiwan-liar-ini-yang-anda-kena-tahu\/\">Kenderaan Langgar Haiwan Liar? Ini Yang Anda Kena Tahu<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui syarat atau kelayakan untuk membuat tuntutan insurans jika kereta terlanggar pembahagi jalan raya akibat kecuaian sendiri.<\/p>\n","protected":false},"author":4,"featured_media":25185,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[350],"tags":[26,243,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Claim Insurans Kemalangan: Kereta Terlanggar Divider, Bolehkah Buat Tuntutan?<\/title>\n<meta name=\"description\" content=\"Ketahui syarat dan cara claim insurans jika kereta alami kemalangan sendiri iaitu terlanggar divider jalan raya.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claim Insurans Kemalangan: Kereta Terlanggar Divider, Bolehkah Buat Tuntutan?\" \/>\n<meta property=\"og:description\" content=\"Ketahui syarat dan cara claim insurans jika kereta alami kemalangan sendiri iaitu terlanggar divider jalan raya.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-kemalangan-sendiri-kereta-terlanggar-divider-jalan\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-01T13:24:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-28T04:04:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/220301_A1-01-01.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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