URL of this page: //medlineplus.gov/ency/article/001141.htm. Liver spots are flat, brown or black spots that can appear on areas of the skin that are exposed to the sun. They have nothing to do with the liver or liver function. Liver spots are changes in skin color that occur in older skin. The coloring may be due to aging, exposure to the sun or other sources of ultraviolet light, or causes that are not known. Liver spots are very common after age 40. They occur most often on areas that have had the greatest sun exposure, such as the:
BI and PD liability are the basic building blocks of a typical car insurance policy. Bodily injury insurance covers medical expenses and lost wages for injured drivers or passengers, while property damage insurance covers the repairs or replacement of damaged cars and other property (e.g., a garage, fence, porch, etc.).
Physical Damage Coverage. Physical Damage is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage (CAC) insurance.or Physical Damage insurance, you must choose a deductible. The deductible is the amount that you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance.