Rather than forcing customers to select vehicles already on the lot, some automobile manufacturers today allow customers to select features on company web sites before the car is manufactured. These customized orders are sent to the manufacturing assembly lines. Within days, custom-feature vehicles are shipped to a dealer closest to the customer. This is an example of

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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