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 insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the