Malus coronaria Malus coronaria Malus coronaria, also known by the names sweet crabapple or garland crab, is a North American species of "Malus" (crabapple). It grows primarily in the Great Lakes Region and in the Ohio Valley, with outlying populations as far away as Alabama, eastern Kansas, Long Island, and Ontario. "Malus coronaria" often is a bushy shrub with rigid, contorted branches, but frequently becomes a small tree up to 10 meters (33 feet) tall, with a broad open crown. It prefers rich moist soil. Its flowering time is about two weeks later than that of the domestic apple, and its fragrant
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most