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If you've ever filled out an application for any sort of insurance, you've faced questions that the insurance company uses to determine the level of risk you pose, your premiums and the extent of coverage for which you are eligible.. chuck generic headers rating present. PHOENIX — The Arizona Senate has voted to impose tougher mandates and penalties against drunk boaters and drivers but reduce the period that first-time DUI offenders must use ignition interlocks in their vehicle..