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Vahinkoilmoitus kannattaa tehdä mahdollisimman pian vahingon sattumisen jälkeen. Vahinkoilmoitus pitää tehdä viimeistään vuoden kuluessa siitä, kun vahinko on tapahtunut. Liikennevakuutuksesta käsiteltävästä vahingosta vahinkoilmoitus pitää tehdä kolmen vuoden kuluessa vahinkotapahtumasta.
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