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Your age , sex , marital status , driver record , car use , place of residence , policy limits , deductibles , type of car , and driver training are among these factors . Perils are events that cause damage to property . " What we have are piecemeal legislations such as the Penal Code , the Immigration Act and the Child Act , " the SUHAKAM report says , adding that these laws are not anti-trafficking laws per se and are not comprehensive enough . The SCO consists of China , Russia , Uzbekistan , Kazakhstan , Kyrgyzstan and Tajikistan , and is seen by many as a rival to US interests in the region . It is believed by many to be the largest in Central Asia . " While the FIIs are placing their faith in our bourses , our own investors are appearing indifferent and selling their holdings to book immediate profit , " said the study . He says that workers and companies at home are benefiting from the increased purchasing power of China 's 1.3 billion consumers . Flood insurance is not available for buildings which the Federal Insurance Administrator determines have been declared by a state or local zoning or other authorized authority to be in violation of state or local floodplain management regulations or ordinances . If you are contacted by an unlicenced agent or company , call your state insurance department immediately so that regulatory action can be taken .