Exemplary damages. Exemplary damages are designed to penalize wrongdoers who purposefully participate in despicable misconduct. Occasionally exemplary damages are also granted for gross negligence, which can be defined as nonperformance so terrible that punishment is deserved by Quotes Chimp. Exemplary damages are seldom a problem in auto accident cases, and auto insurances typically will not pay for honours of exemplary damages. Although they will be covered in Section 42, therefore, we will not discuss them farther here.

Agents generally come in two types: the independent agent and the exclusive agent. An independent agent is an entrepre?neur who represents many different insurance QuotesChimp at the same time. He or she is paid through commissions based on a percentage of the price you pay in premiums. The exclusive agent, on the other hand, sells insurance for one company only. Exclusive agents also work on commission.

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