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Insurance - All in Astoria, OR
Aflac Michael Alley Regional Sales Coordinator - Astoria, OR - Phone: (503) 325-2325
Allstate Insurance - Astoria, OR - Phone: (503) 325-8427
American Family Insurance Adrian Birdeno - Astoria, OR - Phone: (503) 338-6299
Bank Of America - Astoria, OR - Phone: (503) 325-2333
Berezay- Rick R - Astoria, OR - Phone: (503) 325-5920
Brown Financial Group LLC - Candi Vanderburg - Astoria, OR - Phone: (503) 325-6987
Charles Yeager's Insurance - Astoria, OR - Phone: (503) 325-5471
Eterno Insurance Agency - Astoria, OR - Phone: (503) 325-4300
Farmers Insurance Group of Companies - Astoria, OR - Phone: (503) 325-4410
Haynerleslie Financial Consultant - Astoria, OR - Phone: (503) 325-0154
Marine Surveyor - Astoria, OR - Phone: (503) 338-3330
Ray Raihala Insurance Agency - Astoria, OR - Phone: (503) 325-4748
Sarah Olson Insurance - Astoria, OR - Phone: (503) 325-4040
Thrivent Financial for Lutherans - Astoria, OR - Phone: (503) 325-5367
Ticor Title Insurance - Astoria Office - Astoria, OR - Phone: (503) 738-8351
Helpful Definition for: Insurance - All
Insurance, in Astoria,denotes a service primarily meant for risk management that provides financial assistance during an unexpected loss or transfers the risk of a loss equitably, from one entity to another, in exchange for payment. An insurance company in Astoria sells the insurance to its client, called insured, or policyholder, who is the person or entity buying the insurance policy. The factor called 'Insurance rate' determines the amount to be charged for a certain deal of insurance coverage, which is called the premium.
Insurance pools funds from many insured entities or exposures to pay for the losses incurred & thus protects the insured entities from the risk of paying a fee, the amount of which may depend upon the frequency and severity of the event occurring.
Insurance can be provided by private companies to cover the risks, typically sharing seven common characteristics:
1. Large number of similar exposure units
2. Definite loss
3. Accidental loss
4. Large loss
5. Affordable premium
6. Calculable loss
7. Limited risk of catastrophically large losses
The legal principles of an insurance policy generally include- Indemnity, Insurable interest, Utmost good faith, Contribution, Subrogation & proximate cause. Insurance may be provided for various tangible & intangible properties, such as- Home insurance, Vehicle or auto insurance, Health insurance, Accident, sickness & unemployment insurance, Casualty insurance, Life insurance, Property, Liability or Credit Insurance & closed-community self-insurance.
