A proximate cause is the immediate cause that resulted in the observed reaction. The ultimate cause is the original event that started the chain of events that led to the obse â¦ rved reaction. For example, if a person is observed to fall, the proximate cause of the fall might be tripping over an object.
Coinsurance. Coinsurance is a health care cost sharing between you and your insurance company. The cost sharing ranges from 80/20 to even 50/50. For example, if your coinsurance is 80/20, that means that your insurer covers 80% of annual medical expenses and you pay the remaining 20%. The cost sharing stops when medical expenses reach your out-of-pocket maximum, which usually is between $1,000 and $5,000.
about us. From quote to claim, Esurance is working to help you make smarter, more efficient choices with your insurance. Using state-of-the-art technology, we offer a seamless online and mobile experience along with intuitive tools that help take the hassle out of insurance. 1  Esurance is a multiline insurance company with an A+ financial rating, offering vehicle and property coverage around the country. And weâre still growing! Check out our product pages to learn more about our top-notch coverages.