risk can not be avoided completely. Automobile accidents occur with alarming regularity, in general, cause significant damage to at least one car, and often more. The most common form of risk sharing is insurance. Basically, people who create a common risk involved in a fund to losses, felt, if there is a risk common share will be covered. Each member that a loss may be deducted by the occurrence of community money from the fund to cover the loss suffered.

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