Cheapest car insurance in manhattan, ks in Manhattan, Kansas For Sale

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Insurance is a device that protects against life's adverse contingencies—those events you hope will never occur. When buying insurance your guiding considerations should be need and practicality. Being over-insured is not a luxury, it is a waste. Over-cautiousness can be downright frivolous when it comes to insurance. How many times have you been tempted by some offer of accidental dismemberment insurance? Does it really make much sense to carry coverage that will pay only if you lose an arm, and double if you lose an arm and a leg?
The first questions you must ask are, "Do I need it?" and "Is it practical?" You are protecting yourself from something you hope never occurs. In fact, in most circumstances, the best thing that can happen is that your premium payments are lost money. You win when you don't get a material return on your investment. The psychological return of peace of mind is difficult to quantify.
That is the difference between insurance protection and nest egg protection. With a nest egg, you hope your investment grows and contributes to your prosperity. Pure insurance doesn't grow. It is not designed to help you make money. (Certain forms of life insurance are sold as investments, but these policies are actually hybrids in which part of the money is set aside strictly for insurance purposes. The balance is invested. The insurance portion is a non-recoverable.)
Insurance will only replace with dollars what was measurable in dollars in the first place, was lost due to bad luck, and was personal in origin. If any one of these factors is missing, then insurance is not applicable. For example, insurance does not cover losses that occur as a result of deliberate action on the part of the insured. You can't take a baseball bat to your car windows and then expect to collect damages. You cannot leave the keys in your car and encourage people to steal it, then expect to recover the value of your car from your insurance company.
Insurance can't bring back friends or relatives. It can't rescue that favorite reading chair. It can't give you back your perfect heart after triple bypass surgery. These things are not measurable in dollars.
Finally, insurance will not cover losses from risks that affect large numbers of people all at once—such as war or revolution—rather than individuals being affected randomly. These simple concepts are the core of understanding insurance. They also explain what insurance companies do once a claim is filed. They investigate claims to determine the causes of financial losses before making payments.
• Location: Manhattan
• Post ID: xxxx269 manhattanks
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