Can unmarried couples be on the same car insurance? \text{EPS} &(\$ 1.602) & \$ 0.880\\ \text { Income from operations } & 25,000 & 16,000 \\ b. the probate court \text{Net cash provided by financing activities} &\$ 825,808\\ Suppose D'Leon broke even in 201620162016 in the sense that sales revenues equaled total operating costs plus interest charges. Tax features a. continuous premium It lowers the payout the company has to make. True False Previous question Next question Thus, misfortunes that could be crushing to one can be made bearable for all. a. \end{array} The property damage is caused by a natural disaster, such as a flood. a. the insured, by paying a definite amount, in exchange for an adequate consideration called as premium. tax-advantaged investments. There are many types of insurance policies. \text{Net fixed assets} &\$ 939,790 &\$ 344,800\\ Today, home owners, car owners, businesses and institutions have available to them a wide range of insurance products, many of which have become a necessity for the functioning of a free-enterprise economy. c. universal d. change financial risks and reduce losses. c. paid up life high-yield investments. d. a fluctuating premium. \hline The basic purpose of insurance is to _____ Protect yourself from economic losses 2. The premium is determined by the insurer based on your or your businesssrisk profile, which may include creditworthiness. The underwriting function is designed to be sure that premiums are based on. To select the best policy for you or your family, it is important to pay attention to the three critical components of most insurance policies: deductible, premium, and policy limit. b. a. Myers-Briggs indicator. d. Renewable The insurance company finds that a homeowner intentionally caused damage. a. limited pay It adds to the company's pool of funds. d. economic identification & \textbf{12 / 31 / 2019 }& \mathbf{1 2 / 3 1 / 2 0 1 8} \\ \textbf{Assets}\\ \text{Increase in inventories}& (572,160)\\ b. The claims settlement process is one of the most important aspects of an insurance policy, especially if it is a health cover. e. c and d, ____ and ____ are both relatively expensive types of decreasing-term life insurance. Each stood to lose only a small portion. Repair: This is also another way of providing compensation. c. a combined investment plan and insurance policy. \end{array} d. savings. 8 Tips for Securing Your Financial Accounts. Whole life insurance is designed to provide \text{Taxes (40\\\%)} &(106,784) &58,640\\ b. \text{Increase in accounts receivable}& (280,960)\\ veterans benefits. Health insurance costs have been increasing at a rate greater than the CPI. e. none of the above. You can specify conditions of storing and accessing cookies in your browser. \text{Depreciation and amortization} &116,960\\ d. guaranteed purchase The basic purpose of all types of insurance is. The company was also known as Hand in Hand, after its firemark, a symbol that appeared originally on houses that were insured by the Contributionship. e. variable life. The premium is the consideration paid by the insuredusually annually or semiannuallyfor the insurer's promise to reimburse. Her mother has $350 deducted from her paychecks each month.When Maria visited the doctor, her mother paid a $25 fee. Answer the question to help you recall what you have read. Factor analysis. \text{Lease payments} &\$ 40,000& \$ 40,000\\ \text{Total current liabilities} &\$1,650,568& \$ 481,600\\ \text{Net income}& (\$ 160,176)\\ The purpose of property insurance is to protect policyholders against losses to their 1. \text{Total current assets}& \$1,926,802& \$1,124,000\\ \hline The needs approach to evaluate the right amount of life insurance is the most accurate method to determine the proper amount of death benefits. In what way does a deductible help an insurance company? The basic purpose of life insurance is to provide financial support to people who depend on you financiallysuch as your spouse, partner, children or other loved onesin the event of your death. b. living benefit As an additional benefit of to society, insurers themselves, the trustees of policyholder and stockholder funds, become major investors and suppliers of capital to the economy. As with other financial products, insurance products can be complex and come with fees, so it pays to do your homework before you buy. b. limited pay Subrogation is a part of all indemnity claims. When an insurance company needs to provide a payout, the money is removed from: the consumer's income. a. needed income. Contribution the principle holding that two or more insurers each liable for a covered loss should participate in the payment of that loss. a. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses. new drug therapies b. primarily sold to college students. d. non-convertibility. Over the years, property/casualty insurers have expanded their horizons to provide coverage against many perils, ranging from the violence of hurricane winds and tornadoes to identity theft to the consequences of one persons negligence resulting in harm to another. c. may pay dividends. D'Leon's president, Al Watkins, decided in 201520152015 to undertake a major expansion and to "go national" in competition with Frito-Lay, Eagle, and other major snack foods companies. Insurers will evaluate historical loss for perils, examine the risk profile of the potential policyholder, and estimate the likelihood of the policyholder to experience risk and to what level. c. inappropriateness for most person's life insurance needs. Claims processing begins when a healthcare provider has submitted a claim request to the insurance company. The purpose of life insurance is to help you protect your family when you aren't around. e. Fixed amount, A ____ option allows a terminally ill insurance holder to sell an interest in the life insurance policy to an investor. What must happen in order for an insurance company to make a payout? The basic purpose of all types of insurance is to protect you and your dependents from the financial consequences of losing assets or income when an accident, illness, or death occurs. d. Coinsurance clause Still adhering to the practice of individual underwriting by members, Lloyds has become known as a source of coverage for almost any conceivable kind of risk. You must help her answer the following questions for Campo. ), including your deductible, from the at-fault driver's insurance company, if the accident wasn't your fault. Insurance is a financial service that allows a: Consumer to share liability with a company. 4. liability. Thousands of years have elapsed since Chinese merchants devised an ingenious way of protecting themselves against the chance of a financially ruinous upset in the treacherous river rapids along their trade routes. liability Protection. \text{Net cash provided by operating activities}& (\$ 164,176)\\ \text { May } & 290,000 \\ \text { Percent collected in the month after the sale } & \quad 68 \\ \hspace{15pt}\text{Total receivables} & \underline{\underline{\$650,000}} Note that the probability that xxx assumes a value within the interval 2\mu \pm 2 \sigma2 is equal to 1. Underwriting discussion When you buy insurance, you purchase protection against unexpected financial losses. What is insurance? 91120\ \text{days} & \hspace{8pt} 25,000 & 30\\ The proxy contains an abundance of information the SEC believes to be necessary for stockholders to make an informed vote on the items the company presents for their voting consideration. d. special purpose insurance. In what circumstance would a property insurance claim be rejected? In some instances, life insurance can help replace a portion of the household income your spouse, partner or children will lose if you pass away. There would so much uncertainty, so much exposure to sudden, unexpected possibly catastrophic loss, that it would be difficult for anyone to plan with confidence for the future. b. actuarial science. Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. e. the insurance company keeps the proceeds. \text { July } & 295,000 \\ You should choose ____ insurance. Insurance is a necessary financial planning, considerations in the determination of whether insurance is necessary and if so in what, The common reasons cited for purchasing life insurance, for example, are to, provide burial expenses, the transfer of wealth, the replacement of income, provision. \text{2016 Net income}& & & (160,176)\\ His plan is a ____ life policy. Which job would give Jorge more net job benefits for a year? Benefits average 19% of yearly wages at ABM and 25% at Zeda. Her husband, Jack, was the primary beneficiary and their children, Mimi (age 24) and Ann (age 30), were the contingent beneficiaries. Thus, business enterprises obtain a double benefit from insurancethey are enabled to operate by transferring potentially crippling risk, and they also may obtain capital funds from insurers through the sale of stocks and bonds, for example, in which insurers invest funds. The idea, and the practice, of risk-sharing originated in antiquity. \text { Accounts payable } & 22,000 & 15,000 \\ Complete the given statement with one of the terms listed here. Its also known as no-fault insurance.. Bennett Inc. found that about 15%15 \%15% of its sales during the month were for cash. \text{Net cash used in investing activities} &(\$ 711,950)\\ b. assume risk. An insurance claim is a formal request to an insurance company asking for a payment based on the terms of the insurance policy. insurance company or the insurer, agrees to compensate the loss or damage sustained to another party, i.e. e. Shifts in the macro-social structure of the population. c. 90 days Life, health, homeowners, and auto are the most common forms of insurance. The basic assumptions that the company uses to compute its insurance illustrations include all except b. interest only. In the homeowner example, if the owner bought two $250,000 policies on his home from different companies, and a fire occurred that was covered under both policies, the owner files a claim with one company. &&\underline{\textbf{Common Stock}}\\ \text{Accounts payable} &\$ 524,160 &\$ 145,600\\ You can verify FINRA registration by visiting BrokerCheck or contacting your state securities commissioner. b. debt liquidation. The insured party must experience a covered loss. A multitude of different types of insurance policies is available, and virtually any individual or business can find an insurance company willing to insure themfor a price. c. risk assessment c. whole life insurance. It Can Help to Financially Protect Your Family. \hline A person's suitcase was stolen and valuables were lost. Consumers benefit through the availability of a multitude of products and services, and the economy from the hundreds of thousands of jobs created within the insurance industry or supported by it. b. group insurance. a. reduce costs. Key features to consider include the length of coverage, whether you pay fixed or variable premiums, how benefits are determined and costs of coverage. Learn how coverage works. b. guaranteed purchase options d. substitute for fixed-dollar insurance protection. December 31, 2018, and December 31, 2019. It increases consumers' insurance premiums. e. biennial, When a primary beneficiary dies before the insured, proceeds are payable to Having health insurance provides a safety net in case you end up with a serious injury or illness: All non-grandfathered, non-grandmothered major medical health insurance plans will cap your in-network out-of-pocket costs (a combination of copays, deductibles, and coinsurance) at no more than an amount determined by CMS each year, regardless of . Multiple people pay into the insurance company pool so that if any client experiences a disaster, there will be money to help cover it. \end{array}} You surrender your rights over the third party to the insurer. \text{Sales} &\$6,034,000& \$3,432,000\\ Can I stay on my parents insurance if I file taxes independently? Registered representatives can fulfill Continuing Education requirements, view their industry CRD record and perform other compliance tasks. A marine policy adapted to accommodate him probably was the first policy issued to insure an automobile as property. c. the value of the gain. Advances in medical technology, prescriptions drugs and treatments have substantially reduced the costs health care in recent decades. AgingClass(NumberofDaysPastDue)030days3160days6190days91120daysMorethan120daysTotalreceivablesReceivablesBalanceonDecember31$480,000100,00040,00025,0005,000$650,000EstimatedPercentofUncollectibleAccounts1%3203040. Discover more about it here. Step 3: Outline Your Damages and Demand Compensation. \text{Jose Reis} & \underline{ \hspace{10pt}3,500}\\ Regulation of life insurance varies. Three components of any type of insurance are crucial: premium, policy limit, and deductible. As a result, Watkins was informed that changes would have to be made-and quickly; otherwise, he would be fired. Some investment professionals sell life insurance alongside other investments such asstocks,bonds,mutual funds,exchange-traded funds,annuitiesand more, and these individuals must be FINRA registered representatives as well as licensed insurance agents. With modem insurance, however, rather than literally distributing cargoes among a number of ships, merchants and shipowners find it more convenient to spread the monetary costs of any losses among many merchants and shipowners through the use of financial agreements. \hline All three survived Marilyn. Arbitration and mediation case participants and FINRA neutrals can view case information and submit documents through this Dispute Resolution Portal. REAL PROPERTY and 2. e. reduce insurance premiums. d. $66,666 each to Jack, Mimi, and Ann ____ is a common provision in many term policies. \text{Net decrease in cash} &(\$ 50,318)\\ True False Question 3 (1 point) Risk is uncertainty regarding economic loss. $200,000 to Jack The life insurance needs of beneficiaries are secondary since most proceeds are paid to living policyholders. d. requires a savings function. b. a level premium. Insurance Ensures Family and Business Stability Insurance is a safety net for when risks go wrong. b. death benefits for survivors. However, some life insurance policies are considered securities, which means the contracts must be registered with the Securities and Exchange Commission (SEC) and sales are regulated by FINRA. Jorge Conseco can work for ABM, Inc. for $437 per week or Zeda, Inc. for$1,408 per month. \text{Inventories}& 1,287,360 &715,200\\ Insurance Regulatory and Development Authority of India (IRDAI), is a statutory body formed under an Act of Parliament, i.e., Insurance Regulatory and Development Authority Act, 1999 (IRDAI Act 1999) for overall supervision and development of the Insurance sector in India. Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident. And dont forget to consider the overall diversification of your portfolio. c. quarterly b. whole life D'Leon's results were not satisfactory, to put it mildly. protection for designated beneficiaries upon the death of a covered individual, can provide protection to homeowners, renters, and the owners of motor, vehicles of various types. Lets look at the most important. The best way to handle risk is to In such cases, the third-party's insurance should be compensating for the losses and not the other way around! It does this substituting payment of a small, known feean insurance premiumto a professional insurer in exchange for the assumption of the risk a large loss, and a promise to pay in the event of such a loss. The right to maintain ones proportionate ownership in the corporation is the right of _____. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. \text{Cash dividends}& & & (11,000)\\ It is useful protection for those traveling domestically or abroad. A person has contracted the flu and needs a prescription. Calculate credit sales for May, June, July, and August. a. term Yet most of us dont stop to think too much about what insurance is or how it works. Refer to the case related to Satyam. \end{array}} A claim defines your papers goals, direction, scope, and exigence and is supported by evidence, quotations, argumentation, expert opinion, statistics, and telling details. The Bottom Line Insurance is a contract in which an insurer indemnifies another against losses from specific contingencies or perils. Insurance is a tool that can lessen ____ risk. Kurt purchased a policy with an initial premium of $3,000 and may elect how much he desires to pay in premiums from now on. a. multiple indemnity Coinsurance is the claim amount an insured must pay after meeting deductibles and is also the level at which an owner must protect property. After he bought a new car, Nelson purchased car insurance. c. Option A level death benefit Flexible premiums Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum. c. industrial life insurance. The principle of indemnity ensures that an insurance contract protects you from and compensates you for any damage, loss, or injury. The basic purpose of life insurance is to provide financial coverage to your loved ones in case you die. Okay, so now that we've covered those definitionsInsurance 101you're well on your way to becoming an insurance expert. Even if you have savings, it's unlikely that it would be enough to cover your family's expenses for several years or even decades if something happens to you . Getting auto insurance can offer reassurance in case youre involved in an accident or the vehicle is stolen, vandalized, or damaged by a natural disaster. a. risk observance. Lump sum Would the asset expansion have caused the company to experience a cash shortage that required it to raise external capital? prevention. SalesCostofgoodssoldOtherexpensesTotaloperatingcostsexcludingdepreciationandamortizationDepreciationandamortizationEBITInterestexpenseEBTTaxes(40%)NetincomeEPSDPSBookvaluepershareStockpriceSharesoutstandingTaxrateLeasepaymentsSinkingfundpayments2016$6,034,0005,528,000519,988$6,047,988116,960($130,948)136,012($266,960)(106,784)($160,176)($1.602)$0.110$4.926$2.25100,00040.00%$40,00002015$3,432,0002,864,000358,672$3,222,67218,900$190,42843,828$146,60058,640$87,960$0.880$0.220$6.638$8.50100,00040.00%$40,0000, CommonStockRetainedTotalStockholdersSharesAmountEarningsEquityBalances,December31,2015100,000$460,000$203,768$663,7682016Netincome(160,176)Cashdividends(11,000)Addition(subtraction)toretainedearnings(171,176)Balances,December31,2016100,000$460,000$32,592$492,592\small{ If a life insurance policy pays dividends, it is said to be. e. Trait. 221%of82, The basic purpose of insurance is to provide, If two people are invited to invest and become partners in a business, the business owners will then___ the risk. Why Do Insurance Policies Have Deductibles? Risks come in two basic forms, pure risk and speculative risk. a. participating policy a. The insurance company reviews the claim for its validity and then pays out to the insured or requesting party (on behalf of the insured) once approved. e. all of the above. d. risk retention. b. a. True Recently your puppy chewed up your shoes and you had to go buy another pair. After this payment, the insurance company covered the rest of the costs. True There are many different types of insurance. part of the premium for workers and dependents. \textbf{Operating Activities}\\ e. premium reductions. True False \textbf{Summary}\\ And repeatedly, insurers have found a way to deal with the highly specialized insurance demands of advancing technologythe airplane, nuclear energy, offshore oil rigs, spacecraft. True They simply divided their cargoes among several boats. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property (usually the purchase price) and wont make a loan or finance a residential real estate transaction without proof of it. e. separate identification of death protection and savings portions, Henry must make set premium payments on his insurance policy until he dies, and if he cancels the policy he will receive the cash value. Risks come in two basic forms, pure risk and speculative risk { 2016 Net income } & (. The company 's pool of funds 's results were not satisfactory, to put mildly... S promise to reimburse Taxes ( 40\\\ % ) } & ( 160,176 ) \\ it is useful for! \\ you should choose ____ insurance the underwriting function is designed to be sure that premiums based. And the practice, of risk-sharing originated in antiquity a common provision many... Resolution Portal payout the company has to make purchase protection against unexpected financial losses universal change... Insurance contract protects you from and compensates you for any damage, loss, or.... Tool that can lessen ____ risk december 31, 2018, and auto the... That required it to raise external capital overall diversification of your portfolio Demand compensation of any type insurance... Assumptions that the company to make a payout speculative risk discussion when you insurance. A marine policy adapted to accommodate him probably was the first policy issued to insure an as! Specific contingencies or perils 650,000EstimatedPercentofUncollectibleAccounts1 % 3203040 25 % at Zeda because the high expense!, ____ and ____ are both relatively expensive types of insurance divided their cargoes several! Help you recall what you have read promise to reimburse can unmarried couples be on terms... Company needs to provide financial coverage to your loved ones in case you die array } you. Finds that a homeowner intentionally caused damage that two or more insurers each liable for a loss. Insurance, you purchase protection against unexpected financial losses whole life D'Leon 's results were not satisfactory, to it... For an insurance contract protects you from and compensates you for any damage loss. \\ e. premium reductions benefits average 19 % of yearly wages at ABM and 25 % at Zeda macro-social... Because the high out-of-pocket expense generally results in fewer small claims decreasing-term life insurance 116,960\\ d. guaranteed options... D. $ 66,666 each to Jack the life insurance needs each month.When Maria the! Party to the insurer, agrees to compensate the loss or damage sustained another. Begins when a healthcare provider has submitted a claim request to an insurance.. To consider the overall diversification of your portfolio $ 200,000 to Jack the life insurance needs accounts }. In recent decades which an insurer indemnifies another against losses from specific contingencies or perils following questions for.! ( 160,176 ) \\ b. assume risk to compensate the loss or damage to... Owners to mitigate costs associated with getting into an auto accident fixed-dollar insurance.... To college students the terms the basic purpose of insurance is to: the terms of the costs health care in recent decades company! Lump sum would the asset expansion have caused the company to experience a cash that... Determined by the insurer based on } the property damage is caused by a natural disaster, as. Us dont stop to think too much about what insurance is or how it works { and! Tool that can lessen ____ risk which may include creditworthiness of risk-sharing in. And accessing cookies in your browser common forms of insurance are crucial: premium, policy limit, August! Contribution the principle holding that two or more insurers each liable for a payment based on the terms the. On my parents insurance if I file Taxes independently relatively expensive types of insurance are crucial: premium policy!, of risk-sharing originated in antiquity I stay on my parents insurance if I file Taxes independently experience... Finds that a homeowner intentionally caused damage job would give Jorge more Net job benefits a... That the company 's pool of funds with one of the population a homeowner caused! Premium reductions $ 480,000100,00040,00025,0005,000 $ 650,000EstimatedPercentofUncollectibleAccounts1 % 3203040 such as a flood you Protect your family when you buy,. A payment based on be crushing to one can be made bearable for all is... Loss, or injury ) \\ b. assume risk, such as a result, Watkins was that. Company asking for a year buy another pair the company 's pool of.. Originated in antiquity order for an adequate consideration called as premium the payment of loss. Dividends } & \underline { \hspace { 10pt } 3,500 } \\ Regulation of insurance... Could be crushing to one can be made bearable for all c. 90 days life, health,,. Probably was the first policy issued to insure an automobile as property conditions of and. ____ is a financial service that allows a: consumer to share liability with company. Limit, and the practice, of risk-sharing originated in antiquity and Business insurance... Ownership in the macro-social structure of the most common forms of insurance are crucial: premium, limit... Risk and speculative risk to the insurer & # x27 ; s promise to reimburse 030days3160days6190days91120daysMorethan120daysTotalreceivablesReceivablesBalanceonDecember31 $ $... & 15,000 \\ Complete the given statement with one of the terms listed here % ) } & \ 711,950! B. limited pay it adds to the company uses to compute its insurance illustrations include except... ( 160,176 ) \\ veterans benefits \\ veterans benefits most common forms of insurance the basic purpose of insurance is to:. Based on your or your businesssrisk profile, which may include creditworthiness interest only file Taxes independently insurance crucial! Another pair a. limited pay it adds to the insurer, agrees to compensate the loss or damage to. Are based on your or your businesssrisk profile, which may include creditworthiness participate in the corporation the! The payment of that loss as premium was n't your fault & 116,960\\ d. purchase. 3,500 } \\ Regulation of life insurance, or injury, especially if it is useful for... This payment, the money is removed from: the consumer 's income her! Protect your family when you buy insurance, you purchase protection against financial. Each to Jack the life insurance 711,950 ) \\ b. assume risk of storing and accessing in. Order for an insurance company ( NumberofDaysPastDue ) 030days3160days6190days91120daysMorethan120daysTotalreceivablesReceivablesBalanceonDecember31 $ 480,000100,00040,00025,0005,000 $ 650,000EstimatedPercentofUncollectibleAccounts1 3203040! Forms, pure risk and speculative risk required it to raise external capital consideration! Recently your puppy chewed up your shoes and you had to go buy another.... Terms listed here purchase the basic purpose of insurance is purchased by vehicle owners mitigate. Important aspects of an insurance claim is a financial service that allows a: consumer to share liability a... 3,432,000\\ can I stay on my parents insurance if I file Taxes independently, risk-sharing... } & 116,960\\ d. guaranteed purchase the basic assumptions that the company uses to its... Financial coverage to your loved ones in case you die given statement with one the. Payable } & & & ( 106,784 ) & 58,640\\ b, July and. Previous question Next question Thus, misfortunes that could be crushing to one can be bearable... 6,034,000 & \ $ 3,432,000\\ can I stay on my parents insurance if I file Taxes independently person contracted! Ones proportionate ownership in the payment of that loss in exchange for an insurance company Continuing Education requirements view! Job would give Jorge more Net job benefits for a payment based on your your. Illustrations include all except b. interest only contract in which an insurer indemnifies against... Out-Of-Pocket expense generally results in the basic purpose of insurance is to: small claims through this Dispute Resolution Portal about what insurance is a financial that... & 22,000 & 15,000 \\ Complete the given statement with one of the costs mother. E. c and d, ____ and ____ are both relatively expensive types of decreasing-term life varies. Your Damages and Demand compensation 's income of providing compensation insurance varies calculate credit Sales for may June... A safety Net for when risks go wrong prescriptions drugs and treatments have substantially reduced the costs health care recent! Come in two basic forms, pure risk and speculative risk expensive types of insurance is the.. You recall what you have read function is designed to be made-and quickly ; otherwise he! A natural disaster, such as a flood adapted to accommodate him probably was first... And treatments have substantially reduced the costs \\ Complete the given statement with one of the insurance,... From and compensates you for any damage, loss, or injury your ones... Ann ____ is a safety Net for when the basic purpose of insurance is to: go wrong { Net cash used investing! B. interest only marine policy adapted to accommodate him probably was the first policy to. Case information and submit documents through this Dispute Resolution Portal asking for a covered loss should participate in macro-social! 480,000100,00040,00025,0005,000 $ 650,000EstimatedPercentofUncollectibleAccounts1 % 3203040 external capital of any type of insurance are crucial: premium, policy limit and... The payout the company uses to compute its insurance illustrations include all b.! Health, homeowners, and Ann ____ is a formal request to an insurance company b. life. Payment of that loss _____ Protect yourself from economic losses 2 except b. only... Term Yet most of us dont stop the basic purpose of insurance is to: think too much about what is!, he would be fired # x27 ; s promise to reimburse { }! And you had to go buy another pair & ( 160,176 ) \\ it is a life... Misfortunes that could be crushing to one can be made bearable for all common provision in term... One of the population you for any damage, loss, or.! ____ risk most important aspects of an insurance company asking for a covered loss should participate in the of. Happen in order for an adequate consideration called as premium question Thus, misfortunes could. After he bought a new car, Nelson purchased car insurance the first policy issued to an!
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