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Generally speaking, if you smoke or use any tobacco in any form, insurers consider you a tobacco pc user. This can double your cost. No kidding. If you smoke cigars, pipes, use a nicotine patch, nicotine gum or various other such thing, let your agent fully understand. There are some insurers who will consider you "non-tobacco" fine as long as do not use cigarettes and that can save you thousands of dollars the actual life of your policy.
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The state of Washington in November 2012 and Colorado on December 10, 2012 made marijuana legal, and 18 states and the District of Columbia have decriminalized Cannabis. Colorado's constitutional amendment legalizes "the personal use and possession of up with regard to an ounce (28 grams) of pot by adults 21 and on. It also allows users to grow up to six plants at home." Ultimately Colorado will permit Cannabis to be commercially grown, sold by [ehow.com/search.html?s=state-licensed%20producers state-licensed producers] and distributors, and taxed like alcohol sales.
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Underwriting is the procedure by which an insurance agency evaluates your risk for the insurance network. In other words, the chances that you will see a claim paid inside your policy as well as the time frame in that this will come up.
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