[tag=NNS | word=parish] □
[tag=NNS | word=parish] [□]
[tag=NNS | word=parish] □?
This means that once your expenses reach a certain amount in a given calendar year , the reasonable and customary fee for covered benefits will be paid in full by the insurer and you no longer pay the co-insurance . Indeed , in times of tragedy it will be a difficult task for monitoring agencies to balance the needs of the victims and those who do not deserve it . Representatives of major insurance companies and insurance trade associations met with FIA officials to determine the best way to achieve this reinvolvement , and the company representatives outlined conditions under which the voluntary sector would become involved in the WYO program . In addition , contact your neighbors , relatives and friends for recommendations on insurance companies and agents . Most insurance companies and many agents advertise . Coverage also is available for basement and enclosure utility connections , mechanical equipment necessary for the habitability of the building , such as furnaces , hot water heaters , clothes washers , and dryers , food freezers , air conditioners , heat pumps , electrical junctions and circuit breaker boxes . Check the newspaper and yellow pages of the telephone directory for companies and agents in your area . While non-governmental organizations , multinational companies and civil society are becoming increasingly important players , they are not supplanting states . If the Indian and American versions of unilateralism reinforce one another , it will work to the detriment of institutions such as the United Nations and risk turning treaties like the NPT from imperfect but useful mechanisms into increasingly ineffectual ones , Talbott argued .