> But for most insurance policies there is a buffer time during which
you
> pay and get nothing until the paid sum reaches a certain significant
> limit. So what's the difference ?

I don't have that on any of my policies!  I can come down with a big
di$$$ease, or total my car the day the policy is signed, and they have
to pay up.  Statistically unlikely of course, and likely to be looked at
closely.
 



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