The main purpose of indemnity insurance is so that you can choose your own plan, make your own choices and usually protects you from having to take any liability or loss. It's usually the insurance company.
exacerbated means to make a problem, a feeling, or a situation worse.
used is a sentence it would be used like this
The new law only exacerbates the problem
i hope this helps.
Tense Muscles
hope this helps