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      Rejection must be done at bath hardware the time the policy is written or renewed; once the policy terms are set forth the insured may not change his/her mind without re-writing the policy. No-fault insurance has the goal of lowering premium costs by avoiding litigation over the cause of the accident, while providing quick payment for injuries. These are often also called pensions. (For the United States, see the Price-Anderson Nuclear Industries Indemnity Act.) Pet insurance insures pets against accidents and illnesses - some companies cover routine/wellness care and burial, as well. Political risk insurance can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss. Pollution Insurance