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Sometimes life is hard. In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss. Anti-Theft Device — A device that deters auto theft and may entitle the insured to an insurance premium discount. The waiver of premium remains in effect as long as the insured is disabled. Loss Control —The use of appropriate insurance, avoidance of risk, loss control, risk retention, self insuring, and other techniques that minimize the risks of a business, individual, or organization.

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