Your friend Brad Brooks tells you about his plans to upgrade his auto insurance. Specifically,he would like to add several types of coverage to his policy, such as uninsured motorist coverage and rental car coverage. Recall that Brad is $30$ years old. His driving record includes several speeding tickets and two accidents $($one of which he caused$).$He realizes that adding coverage will increase the cost of his insurance. Therefore, he is thinking about switching to a less expensive insurance company.

$2.$ Brad says that he is generally happy with the HMO insurance plan he has through the technology company where he works. However, Brad mentions that he does not particularly like to see his primary care physician each time he requires a consultation with a specialist. He tells you that his company also offers a PPO, but that he did not choose that plan because he knows little about it$.$Describe to Brad how he could benefit from a PPO. Are there any negative factors Brad needs to know about if he seriously considers switching to a PPO?