An insurance policy is a blessing when you find your claim for damage is covered. The nature of the business started off as an excellent way for a collective group to participate in the pool from which recovery funds are paid. A loss that an individual cannot sustain alone is easily managed using the law of large numbers. This is the concept behind certain decisions such as whether an insurance company offers certain coverages as well as when and why certain claims are denied. A perfect example of these distinctions can be played out in the difference between what is [...]