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Retrospectively rated insurance is a type of insurance that uses retrospective rating: a method of establishing a premium on large commercial accounts. The final premium is based on the insured's actual loss experience during the policy term, sometimes subject to a minimum and maximum premium, with the final premium determined by a formula.
The decision as to how much, if any, insurance would be offered to a customer was often determined solely through the use of a Sanborn map. The maps also allowed insurance companies to visualize their exposure in their coverage areas; when an agent sold a policy, he could color in the corresponding building on the map.
Ways to save money on your car insurance. If you need to maintain full coverage — whether it's required by your lender or just makes sense for your situation — you can still find ways to lower ...
In the insurance context an actuarial reserve is the present value of the future cash flows of an insurance policy and the total liability of the insurer is the sum of the actuarial reserves for every individual policy. Regulated insurers are required to keep offsetting assets to pay off this future liability.
3. Mechanical failure. When mechanical components fail due to normal wear and tear — whether it's a seized engine or failed transmission — your auto insurance won't pay for repairs.
This is a list of GIS data sources (including some geoportals) that provide information sets that can be used in geographic information systems (GIS) and spatial databases for purposes of geospatial analysis and cartographic mapping. This list categorizes the sources of interest.
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