If your dog accidentally injures somebody or damages their property, you are covered under your insurance policy.

He's a heck of an insurance policy.

If you lend out your car ? you have given someone permission to drive and they get into an accident ? you are responsible as the owner of that car.

You don't want a situation where you have to prove that you had a $10,000 Barbie doll collection after it's destroyed.

We're expecting premiums to moderate ... and (the growth rate) will probably continue to slow except in some parts of the country.

We're expecting premiums to continue moderate. The increase in 2005 should be smaller than last year, probably less than 2.8 percent.