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The Physical Damage section describes the benefits payable if your automobile is damaged. Collision and comprehensive coverages, which are also known as physical damage coverages, pay for repair or replacement of your auto regardless of who is at fault.

Guaranteed Issue. A requirement that health plans must permit you to enroll regardless of your health status, age, gender, or other factors that might predict your use of health services. All small group health plans sold to small employers in U.S. are guaranteed issue. Plans that are guaranteed issue can turn you away for other reasons.



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