Malus fusca Malus fusca Malus fusca, with the common names Oregon crabapple and Pacific crabapple, is a North American species of crabapple. It is native to western North America from Alaska, through British Columbia, to northwestern California. It grows in temperate coniferous forest, primarily in the Cascade Range and the Pacific Coast Ranges. "Malus fusca" is a deciduous tree up to tall. Leaves are up to 10 cm (4 inches) long. Flowers are white or pale pink, blooming in Spring. The fruits are small round apple-shaped pomes, red, yellow, or yellow-green. The fruit can be eaten raw or cooked, however it has
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