Distinguish between the biotic and abiotic components of an ecosystem and especially how this relates to energy. Biotic factors are the living component of the environment. Abiotic factors are the environment's nonliving component, the physical and chemical factors such as temperature, forms of energy available, water, and nutrients. A habitat includes both biotic and abiotic factors.
A stopgap insurance policy fills a financial risk that occurs due to insurance rules or widely followed policy practices. There are two types of stopgap policies that are most widely used, one by businesses in certain states and the other by individuals to supplement their auto insurance.
The purpose of PIP coverage is to allow a driver to have their car insurance company pay their medical bills and other expenses like lost wages without regard for who caused the car wreck. This is why it is often referred to as No-Fault Insurance.