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1. Insurance policy
2. Insurance claims
Insurance policy is a "contract" between the parties with your insurance company. All provisions are written here and legally binding nature. So look carefully, what the risk is borne, refunds, etc.
You should also know how to make an insurance claim. If you have a reliable insurance agent, even better. Agents act as your intermediary with the insurance company. So do not choose an insurance agent who only interested in commissions and then leave you, when required.