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The greatest physical obstacle on the overland trail was the
Subrogation
A legal principle allowing one party (usually an insurance company) to step into the shoes of another and claim their rights in order to recover damages from a third party.
Contribution
A payment or effort made towards a collective goal or to support a cause.
Insurable Interest
A legitimate stake or investment in the life, property, or well-being of the subject matter of an insurance policy, such that the policyholder would suffer financial loss if the insured event occurs.
Life Insurance
An insurance policy that pays out a sum of money on the death of the insured person or after a set period.
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