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Should be purchased in case of an accident 

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Should be purchased in case of an accident

Answer

INSURANCE


Definition

The act of insuring, or assuring, against loss or damage by a contingent event; a contract whereby, for a stipulated consideration, called premium, one party undertakes to indemnify or guarantee another against loss by certain specified risks. Cf. Assurance, n., 6.
The premium paid for insuring property or life.
The sum for which life or property is insured.
A guaranty, security, or pledge; assurance.