Malus trilobata Malus trilobata Malus trilobata, the Lebanese wild apple, erect crab apple or three-lobed apple tree, is a species in the family Rosaceae in the genus "Malus". Some authorities place it in the segregate genus "Eriolobus", as "Eriolobus trilobatus". The distribution of "Malus trilobata" in Asia includes West and South Anatolia, Syria, Lebanon and North Israel, while in Europe its distribution encompasses the east section of Greek Thrace (Evros Prefecture) and southeastern Bulgaria. Surviving trees in Lebanon can be found in the Mount Lebanon Range, at altitudes of . The last remaining forest community of the endemic wild apple in the
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