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... worldwide. &# 160 In whatever form, insurance addresses risks and how to control your exposure to loss effectively. Insurance is a means to an end-a way to help ensure that you have sufficient resources to survive the financial crisis that could be caused by fire, auto accident, lawsuit, health problem, or drop in income. By covering your exposure to risk, you minimize the financial damage you might suffer. &# 160 Insurance works by spreading the risks of an individual-you-among many individuals. The chances that everyone in the ... passengers, regardless of who is at fault. &# 160 Uninsured Motorists and Underinsured Motorists. Protects you and your passengers in an accident with drivers carrying insufficient or no liability coverage. &# 160 Additional Coverages. Pay for expenses such as towing, labor, rental vehicles, etc. &# 160 Irma &# 160 At 35, Irma and her husband Joe have a young son, own a modest home and are about to become parents of twins. The welfare of their growing family is their primary concern. Irma ... to leave her job to care for the children full time. However, the couple was covered under her employer's health care plan, and Joe's employer does not provide coverage as comprehensive as Irma's former company. &# 160 The couple met with their independent insurance agent to determine how they could supplement Joe's health plan to provide sufficient coverage for Irma and the children. The agent reviewed their health care needs and identified an insurance provider that could economically supplement their coverage and meet their needs. With a growing family, the couple explored ...