Draw a mechanism for the following reaction. 
Definitions:
Insurance Premiums
Regular payments made to an insurance company to maintain coverage of a policy.
Regular Premium
Periodic payments made for an insurance policy.
No-fault Insurance
An auto insurance policy wherein insured individuals are compensated by their own insurer, regardless of fault, in the event of an accident.
Collision Deductible
The out-of-pocket expense that a policyholder must pay before an insurance company covers the cost of damage in a collision.
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