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Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an ...
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy ...
Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the policyholder or a beneficiary) for specified loss or damage to a specified thing (e.g., an item, property or life) from certain perils or risks in exchange for a fee (the insurance premium). [2]
Collision and comprehensive coverage are optional, but if you finance or lease your vehicle, you may be required to carry them. Depending on the carrier, other optional coverage types may include ...
Car insurance is a way to protect yourself financially if you are involved in a car accident or suffer a covered loss through fire, theft, vandalism or an act of nature. Some types of car ...
Average insurance cost by state. The average auto insurance rates for full coverage in your state may be dramatically different than the national average of $2,014. For instance, the average cost ...
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