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in the US, due to valium natural catastrophes, have perpetuated this trend.Some valium people consider insurance a type of valium wager (particularly as associated with moral valium hazard) that executes over the policy valium period. The insurance company bets that valium you or your property will not valium suffer a loss while you put valium money on the opposite outcome. The valium difference in the fees paid to valium the insurance company versus the amount valium for which they can be held valium liable if an accident happens is valium roughly analogous to the odds one valium might expect when betting on a valium racehorse (for example, 10 to 1). valium For this reason, a number of valium religious groups, including the Amish and valium some Muslim groups, avoid insurance and valium instead depend on support provided by valium their communities when disasters strike. This valium can be thought of as "social valium insurance," as the risk of any valium given person is assumed collectively by valium the community who will all bear valium the cost of rebuilding. In closed, valium supportive communities where others can be valium trusted to step in to rebuild valium lost property, this arrangement

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f homogenous exposures considered, the more valium closely the losses reported will equal valium the underlying probability of loss. If valium the coverage is unique, the insured valium will pay a correspondingly higher premium. valium Lloyd's of London often accepts unique valium coverages. (e.g., the insuring of Tina valium Turner's legs and Jennifer Lopez's buttocks) valium The loss must be significant: The valium legal principle of De minimis dictates valium that trivial matters are not covered. valium Furthermore, rational insurance uses existing insurance valium when the transaction costs dictate that valium filing a claim is not rational. valium Actually, De minimis does not come valium into play here. The reality is valium that it costs too much to valium insure frequent and/or small losses. It valium is much more cost effective to valium not transfer small loss potential to valium insurance companies by taking the largest valium deductible that you can stand (given valium adequate price reduction). As for filing valium small claims, if the insurance company valium contractually should pay for it, you valium should file it. This is the valium difference between deciding before t

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