0_Wizard
Do you have any type of insurance? i have car insurance but it is pretty expensive 
Insurance is a means of protection from financial loss.
chosen_Insurance_0
Insurance
chosen_topic_0_Insurance
Vehicle insurance
Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from. Vehicle insurance may additionally offer financial protection against as theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
GEICO advertising campaigns
GEICO advertising campaigns are known for using surreal humor and satire, often featuring distinctive characters such as the company's mascot, the GEICO gecko. The advertising strategy incorporates a saturation-level amount of print (primarily mail circulars) and television parody advertisements, as well as radio advertisements. A common line used by GEICO is "15 minutes could save you 15% or more on car insurance." Investor Warren Buffett, chairman and CEO of GEICO parent Berkshire Hathaway, has stated that he would spend $2 billion on GEICO ads if he could, approximately double the spending in 2012, which was $1.1 billion, over twice that of second place Progressive Corporation, with 6.8% of premiums going into commercials.
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Usage-based insurance
Usage-based insurance (UBI) also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, behavior and place. This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums.
Insurance fraud
Insurance fraud is any act committed with the intent to obtain a fraudulent outcome from an insurance process. This may occur when a claimant attempts to obtain some benefit or advantage to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due. According to the United States Federal Bureau of Investigation the most common schemes include: Premium Diversion, Fee Churning, Asset Diversion, and Workers Compensation Fraud. The perpetrators in these schemes can be both insurance company employees and claimants. False insurance claims are insurance claims filed with the intent to defraud an insurance provider.
Progressive Corporation
The Progressive Corporation is one of the largest providers of car insurance in the United States. The company also insures motorcycles, boats, RVs and commercial vehicles, and provides home insurance through select companies. Progressive has expanded internationally as well, offering car insurance in Australia. The company was co-founded in 1937 by Jack Green and Joseph M. Lewis, and is headquartered in Mayfield Village, Ohio. Progressive was founded in 1937 by Joseph Lewis and Jack Green as Progressive Insurance Company. Starting in 1956, the company found its niche insuring more risky drivers.
Infinity Property &amp; Casualty Corporation
Infinity Property & Casualty Corporation, headquartered in Birmingham, Alabama, is a national provider of car insurance. Infinity Insurance, a top-performing Infinity brand, provides nonstandard car insurance through more than 12,500 independent agents. Nonstandard insurance serves individuals unable to secure coverage through standard insurance companies. This can be due to a driving record with accidents and/or tickets, prior DUI, the driver's age, vehicle type, or others. The company was formed in December 2002 when American Financial Group transferred its outstanding common stock for Infinity Insurance Companies, Leader Insurance, Windsor Auto, Atlanta Casualty Companies, and Great American Personal Lines into Infinity Property & Casualty.
1_Apprentice
I barely have health insurance... haha . How many cars do you own ?
0_Wizard
i have one car, a ford focus. I have lots of protection against physical dmaages and liability coverage, but I have luckily never needed it
Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise there from.
self_Vehicle_insurance_1
Vehicle insurance
self_0_Vehicle_insurance
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Ford Motor Company
The Ford Motor Company (commonly referred to simply as "Ford") is an American multinational automaker headquartered in Dearborn, Michigan, a suburb of Detroit. It was founded by Henry Ford and incorporated on June 16, 1903. The company sells automobiles and commercial vehicles under the Ford brand and most luxury cars under the Lincoln brand. Ford also owns Brazilian SUV manufacturer, Troller, and Australian performance car manufacturer FPV. In the past, it has also produced tractors and automotive components. Ford owns an 8% stake in Aston Martin of the United Kingdom, and a 49% stake in Jiangling of China.
Ford Focus (third generation)
The Ford Focus (third generation), also known as the Focus Mk III, (Code name: C346) debuted at the 2010 North American International Auto Show as a 2012 model. The cars shown were a 4-door sedan and 5-door hatchback, also debuting a new 2.0L direct injection I4 engine. A 5-door estate (wagon) was previewed at the Geneva auto show a month later. This generation of Focus would be the first Ford vehicle designed under the tenure of CEO Alan Mulally and his "One Ford" plan, which aimed to leverage Ford's global resources into creating more competitive vehicles that could be sold globally in each segment with minimal changes.
Ford Focus (first generation)
The Ford Focus (first generation) is a compact car that was manufactured by Ford in Europe from 1998 to 2004 and by Ford in North America from 1999 to 2007. Ford began sales of the Focus to Europe in July 1998 and in North America during 1999 for the 2000 model year. Manufacturing in Argentina continued until 2008, and it was still on sale in Brasil in 2009. In Europe and South Africa, the Focus replaced the various Ford Escort models sold in those markets. In Asia and Australasia, it replaced the Ford Laser. Codenamed C170 during its development, and briefly known to some Ford contractors as the Ford Fusion, the original Focus took its eventual name from a Ghia concept car which was shown at the Geneva Motor Show in 1991.
Ford Focus
The Ford Focus is a compact automobile (C-segment in Europe) manufactured by the Ford Motor Company since 1998. Designed under Alex Trotman's Ford 2000 plan, which aimed to globalize model development and sell one compact vehicle worldwide, the Focus was primarily designed by Ford of Europe's German and British teams . The Focus was released in July 1998 in Europe, succeeding the Ford Escort, and replaced the Mazda Familia-derived Ford Laser in Asia and Oceania along with the Laser-based North American Escort. Wayne Stamping & Assembly started producing the Focus for North America with sales beginning in 1999.
Ford Focus (second generation, Europe)
The Ford Focus Mk 2 is an automobile which was produced by Ford from 2005 to 2010. It was launched at the Paris Motor Show on August 23, 2004 as a three and five-door hatchback and an estate, although the new car was previewed, in 4-door saloon form, as the 'Focus Concept' developed by Ford Europe at the Beijing Motor Show in mid-2005. The Mk 2, codenamed C307, uses the Ford C1 platform which is shared with the Volvo S40, V50 and C70, Mazda3 and Focus C-MAX. Ford calls this platform sharing programme "Global Shared Technologies". The basic suspension design, which contributed much to the Mk 1's success, has been carried over largely unchanged from its predecessor which, along with a 10% stiffer bodyshell, offers a better ride according to Ford.
Ford Focus Electric
The Ford Focus Electric is a 5-door hatchback electric car produced by Ford. The Focus Electric is Ford's second full production, all-electric vehicle (the first being the Ford Ranger EV), and production began in December 2011. The Focus Electric shares the glider of a third generation Ford Focus. Its electric powertrain originally used a 23 kWh liquid-cooled lithium-ion battery pack, which delivers a range of according to the United States Environmental Protection Agency. The 2017 model uses a 33.5 kWh liquid-cooled lithium-ion battery pack which delivers an range of according to the United States Environmental Protection Agency.