Conduction. 1  Conduction is the transfer of thermal energy through direct contact between particles of a substance, without moving the particles to a new location. 2  Usually occurs in solids. 3  When heat is supplied to one end, molecules at that end start to move more quickly.
Episcopalian ministers organized a similar fund a decade later. (The first insurance company in the American colonies was formed before this, in Charleston, S.C., in 1735, but it offered only fire insurance at first. It didnât add life insurance until 1760.). (AP Photo/Lefteris Pitarakis).
Beginning in the 1970s, many U.S. states passed legislation to introduce no-fault auto insurance. According to the Insurance Information Institute (III), the goal was to simplify the process of determining which driver is responsible for an accident. As of 2014, 12 states have some type of no-fault car insurance law, according to the III. 1  No-fault insurance required. This type of coverage is mandatory in Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New York, North Dakota and Utah. 2  No-fault insurance optional.