Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to sue an insurance company after an auto accident [title] Understand automobile insurance. [step] An insurance policy is a contract between the insured and the insurance company. The insured pays premiums and the insurance company, in exchange, agrees to cover the cost of certain claims.

Ending1: The insurance company wags all the liens. A gift refers to the physical damage sustained from the issuer. Ending2: [substeps] Make sure that you understand the policies you are dealing with. For example, a single provision in the policy might say that the price of the car is the highest so that the insurer isn't late with payment for any damage the accident caused. Ending3: Typically, an insurance policy will cover two types of claims: first-party claims and third-party claims. [substeps] A " first-party claim " is paid directly to the insured. Ending4: The costs of each claim are itemized. [title] Understand protection for congestive heart failure.

Answer format: ending1/ending2/ending3/ending4