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K. O. S. Insurance Company means you get help from random people when you're in a mess instead of paying some fat-cat insurance company. It's like when your neighbor lends you a ladder because you're too lazy to fix your roof.
I got stuck in traffic and a stranger gave me a lift. No thanks, no money.
My cousin broke his leg and my uncle showed up with a wheelchair and a sandwich.
My dog ate my homework, and my neighbor let me copy his.