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.
Esurance is a direct market auto insurance provider offering auto insurance in 30 states, including California. The company was launched in 1999, and sells insurance online through its website, esurance.com. It is headquartered in San Francisco, CA, with its 24-hour customer service center located in South Dakota.