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Describe schemas and scripts, and explain how they can potentially contribute to inaccurate memories.
Over Insure
The condition of having insurance coverage that exceeds the value of the insured item or risk, leading to unnecessary higher premium costs.
Deductible
A sum specified in an insurance policy that the insured individual must pay before being compensated for a claim; deductibles reduce moral hazard.
Premium
The amount paid for an insurance policy, or the difference between the higher price paid for a fixed-income security above its face value.
Insurance Companies
Organizations that provide risk management by compensating for financial losses in exchange for premium payments.
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