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Auto Insurance Glossary
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Accident |
A collision of a vehicle with any
object, for example, another vehicle, a fence or tree.
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Accidental Death Benefit |
A death benefit pays if bodily injury causes
the death of you or any family member within 24 months from the
date of a covered accident.
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Additional Living
Expense |
Fire or other damage caused by a covered loss
could increase your living costs-you may be paying for a hotel,
restaurant meals or laundromat, for example. In a standard
homeowner's policy, Loss of Use (Coverage D) will reimburse you
for any additional living expenses incurred by you in an attempt
to maintain a normal standard of living if your home is made
uninhabitable by a covered peril. See Loss of Use.
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All Risk |
An "All Risk" policy insures against any and
all losses that can happen to your home, except those that are
specifically excluded. However, the policy will state that flood
and earthquake are not covered and require a separate
endorsement.
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Anti-theft Devices |
A device that deters a vehicle from being
stolen, for example, a car alarm or a special key for the
ignition. Cars with hood locks and ignition alarms can save up
to 15% comprehensive premiums.
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Appurtenant Structure |
Detached buildings on the same premises as the
main, insured building. Appurtenant structures such as garages
or barns on your property are usually covered by your
homeowner's insurance policy.
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Arbitration Clause |
Provides a means for settlement when you and
your insurer cannot agree on an acceptable claim payment. A
representative of each party makes their case to a neutral
arbitrator. The arbitrator makes a final, binding decision after
hearing all of the facts presented.
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At Fault Accidents |
A driver presumed to be more than 50%
responsible for an accident is considered to be "at fault" and
his/her insurance premium is adjusted accordingly. In accident
cases where a driver is "cited" by the police, that driver is
automatically presumed to be "at-fault".
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Auto Policy Discounts |
You could pay a lower premium on your auto
insurance policy if you qualify for any of several discounts
offered our Insurance. Scroll to find the definitions for
Anti-theft Device, Driver Training, Defensive Driver, Good
Student, Multi-Car, and Safe Driver Discounts. |
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Basic Reparations
Benefit |
An optional coverage that covers
you, the members of your household and your passengers for
medical expenses, rehabilitation services, lost wages and
funeral expenses caused by auto accidents. Coverage and
availability varies by state and is not available in all states.
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Bodily Injury (BI) |
Bodily harm, sickness, or disease sustained by
any person as a result of an accident. Includes required care
and loss of services, as well as any costs associated with
resulting death.
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Bodily Injury Liability |
Pays damages awarded if you are held legally
responsible for injury or death caused by a vehicle driven by
you or by a covered family member. Single Limit Liability and
Split Limit Liability.
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Broad Theft Coverage |
An endorsement to a Dwelling Policy that
provides theft coverage for contents of a named insured, owner
occupant.
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Business Personal Property |
Refers to items or contents owned by your
business or company. For example, a laptop you might bring home
over the weekend. Coverage is usually limited to $2,350.
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Collision Coverage |
Covers the physical damage done to
your car because of a collision with another vehicle or object,
regardless of who is at fault. Collision does not cover bodily
injury or property damage liability-it protects your vehicle
only, and is usually subject to a deductible.
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Comprehensive Coverage |
Sometimes called "Other than Collision,"
Comprehensive Coverage pays for damages resulting from fire,
theft, vandalism, falling objects, hailstorms, floods, and
various other perils. For example, hitting a deer can cause a
lot of damage to your car-comprehensive takes care of it. Loss
of auto glass or windshield is also covered under Comprehensive.
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Comprehensive Loss |
Any damage done to a vehicle that is caused by
something other than a collision. This includes damage to the
vehicle by theft, vandalism, fire and flood. Glass loss is a
comprehensive loss.
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Coverage A |
Called "Dwelling", this is the part of your
homeowner's insurance policy that covers the home itself-frame,
flooring and fixed objects. The amount of Coverage A should
represent the cost to replace the structure of your home in the
event of total loss. Other coverages are usually based on a
percentage of Coverage A.
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Coverage B |
This part of your policy covers "Other
Structures"-barns, sheds, garages. Coverage B is usually 10% of
Coverage A (Dwelling Coverage) but can be increased.
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Coverage C |
"Personal Property" covers your belongings
automatically for 50% of Coverage A.
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Coverage D |
"Loss of Use" takes into account expenses
you'll have if your home is uninhabitable because of a covered
loss. It pays for temporary lodging and living expenses.
Coverage D is usually 20% of Coverage A (Dwelling Coverage). See
also Additional Living Expense
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Coverage E |
"Personal Liability" covers you for your legal
responsibility for injury caused to others whether on or away
from your own property. The standard limit is $100,000.
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Coverage F |
"Medical Payments" pays medical costs if
someone is injured on your property. A homeowner's policy
automatically covers $1,000. You can increase this coverage in
$1,000 increments, up to $5,000. In order to collect more than
this, the injured party must file for compensation under
Coverage E.
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Debris Removal Clause |
While most property policies cover
only direct damages caused by an insured peril, the "debris
removal clause" covers the cost of removing debris produced by
the peril's occurrence. For example, a hurricane sweeps through
the state; a fallen tree will be removed only if it lands on
your house. Debris Removal reimburses you for the cost of
cleaning up all the broken limbs and rubble
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Declarations Page |
The declarations page tells you who and/or what
is covered by the insurance, the amount of coverage purchased
and the conditions-the "when" and "where"-covered by the
purchased insurance.
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Deductible |
This is the amount you agree to pay out of your
own pocket before the insurance company reimburses you for
damage expenses. If you had an accident with damages totaling
$1,700, and carry a $350 deductible on your collision coverage,
you would pay the first $350, and the insurance company would
cover the difference, the remaining $1,200. Raising the amount
of your deductible saves you money on the cost of your
insurance.
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Defensive Driver Discount |
In some states, individuals who successfully
complete an authorized defensive driver course are eligible for
further credits.
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Direct Loss |
This is damage or a loss resulting as a direct
consequence of an insured peril. For example, a computer lost in
a fire is a direct loss; the data destroyed inside the computer
is considered an indirect loss.
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Direct Writer |
An insurance company that offers its policies
directly to consumers through its own employees is called a
"direct writer." our Insurance is a direct writer.
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Driver Training Discount |
Safety is the first rule of the road. To
encourage good driving habits in young people, drivers under 21
who complete a driver-training course can often save up to 15%
on their insurance premiums. Discounts vary by state and are
typically good for 2-3 years.
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Dwelling Forms |
These are policies that cover a residence
dwelling or building, usually not owner-occupied, and the
personal property inside. You can buy dwelling forms that vary
by the degree of coverage they offer.
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DWI/DUI |
Driving While Intoxicated/Driving Under the
Influence.
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Earthquake Endorsement |
Most homeowner's policies exclude
coverage for earthquake damage. People who are concerned about
the risk of earthquakes can add an Earthquake Endorsement to
cover damages.
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Easement |
An "easement" entitles its holder to specific
interests, such as a right of way, in land owned by someone
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FAIR PLAN |
An acronym for "Fair Access to
Insurance Requirements," FAIR offers insurance to people in
high-risk areas who might otherwise be denied coverage.
Reinsured by the United States government, FAIR is a pooling
plan providing policies for fire and allied perils.
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Fair Rental Value |
This coverage pays for the rent the building
could have earned, less any discontinued expenses, while the
premises is not fit for occupancy. Refer to Coverage D under
your homeowner's or dwelling policy for more information.
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Financial Responsibility Clause |
In your insurance agreement, the financial
responsibility clause shows that your policy conforms to state
financial responsibility requirements.
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Financial Responsibility Required |
Drivers in most states are required by law to
demonstrate their ability to pay for bodily injury or property
damage for which they are responsible. In most cases, this
"financial responsibility" is fulfilled by purchasing insurance
with limits of liability equal to or greater than the amounts
required by the state. In some states, you must carry proof of
financial responsibility, in the form of an insurance policy,
before you can register a vehicle.
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Fire |
In property insurance, "fire" refers to the
unintentional or "hostile" occurrences of flame and combustion.
Damage caused by fire in your fireplace, for instance, is not
covered under your homeowner's policy. But if your rug were
ignited by a spark from that same fireplace, you would be
covered.
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Fire Resistive Construction |
Building construction using fire-resistive
materials in its roof, floors and exterior walls. See also
Modified Fire-Resistive Construction.
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Fire Wall |
A wall designed to contain or seal off fires in
a building.
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Fireproof |
Unfortunately, no one can make a building
completely impervious to fire. Today, insurers use the term
"fire-resistive" to describe buildings that are practically
resistant to most fire damage.
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Flood |
A temporary submersion, partial or complete, of
ordinarily dry land by water or mud. Floods are typically caused
by an overflow of waters, whether inland, tidal or from any
accumulated runoff from any source. Flood is excluded under a
typical homeowner's insurance policy.
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Flood |
Insurance Policies sold to cover property
owners from losses caused by floods or flooding, usually offered
in conjunction with a government flood insurance plan and
reinsured by the federal government.
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Frame Construction |
The most common form of housing construction,
frame buildings are made primarily of wood frames and joists.
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Full/Limited Tort Threshold
Options |
Limited Tort, if selected, applies to the named
insured and other household members. The tort threshold
determines when an insured may sue for damages. While Full Tort,
if selected, does not put a limitation on when an insured may
sue for damages.
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Funeral Expenses |
Funeral or burial expenses actually incurred if
"bodily injury" causes an "insured's" death within 24 months
from the date of a covered accident.
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Garaging Location |
When is a garage not a garage? In
this case, it refers to where you usually keep your car when
you're not driving it, whether in a building or not. If you
normally keep your vehicle in a town other than the one you live
in, you must notify your insurance company.
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Good Student Discount |
Since studies have proven a link between good
grades and good, safe driving, some insurance companies offer
reduced premiums to students with high scholastic ratings. To be
eligible for reduced premiums, simply provide our Insurance
with a recent transcript showing a B average or better. Good
Student discount regulations vary among states and the discount
is not available in all states.
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Group Affiliation |
our Insurance is able to offer group
discounts to certain companies, groups, or clubs.
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Guaranteed Replacement Cost |
Guaranteed Replacement Cost coverage on
homeowner's insurance means that your home will be repaired to
its value at the time of loss, regardless of the amount of
coverage carried. For example, you estimate your home to have a
full replacement value of $162,000 and you insure it for
$162,000. If you have guaranteed replacement cost endorsement on
your policy and the home is lost in a fire and the house costs
$168,000 to rebuild, the policy will pay $168,000.
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HO3 Policy |
One of the most common types of
homeowner policies, an HO3 is a Special Form policy that covers
all perils except those specifically excluded by the policy.
Typical coverages in a HO3 might be: Coverage A - $100,00;
Coverage B - $10,000; Coverage C - $50,000; Coverage D -
$20,000; Coverage E - at least $100,000; and Coverage F - at
least $1,000.
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HO4 Policy |
Also called a Renters or Tenants Policy, an HO4
provides coverage on your personal property for a range of
perils specifically named in the policy. Typical coverages in a
HO4 might be: Coverage C - $15,000 and up; Coverage D - $3,000;
Coverage E - at least $100,000; and Coverage F - at least
$1,000.
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HO6 Policy |
Condominium insurance is like HO4 (Renters)
except that it takes into account the fact that you own the
inner walls of your condo or townhouse. It can also fill in any
gaps in your condo association's coverage. Typical coverages in
a HO6 might be: Coverage A - starts at $1,000; Coverage C -
$15,000 and up; Coverage D - $3,000; Coverage E - at least
$100,000; and Coverage F - at least $1,000.
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Homeowner's Policy |
Combined property and liability insurance that
covers homeowners and renters for damage to or theft of their
property and liability, in case they are responsible for injury
to another person.
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Homeowners Plus |
Homeowners Plus is an endorsement that may be
added to your policy if you meet certain eligibility
requirements. The endorsement provides the following benefits
over the Standard Homeowners policy:
- Guaranteed Replacement Cost on the dwelling (Coverage
A). In the event of a covered loss to the dwelling, we will
pay up to the full cost of replacement regardless of the
amount of insurance listed on the policy for Coverage A
Dwelling (certain provisions apply).
- Replacement Cost protection on personal property
(Coverage C). Recovery for damage or loss to personal
property will be adjusted on the value of the replacement
cost for each item, with no deduction for depreciation,
provided the damaged property is replaced.
- Increased amounts of coverage on the Special Limits
under personal property (Coverage C).
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Increased Cost of
Construction Insurance |
Commonly added as an endorsement to
homeowner's policies, "increased cost of construction insurance"
covers the additional costs of building repair or reconstruction
when you rebuild with more expensive services, materials and
techniques required by local ordinances.
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Increased Hazard |
Property insurance terms are tailored to the
nature and use of the property as it exists when the policy is
written. Should you introduce dangerous materials or activities
into the property, like making fireworks, you will have added an
increased hazard whose liabilities would not be covered by your
policy.
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Indirect Loss |
Also known as consequential loss or damage,
indirect loss results from, but is not caused directly by, a
peril. If your business property burned down, for instance, the
property itself is a direct loss, while the lost business
revenues would be considered an indirect loss.
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Inflation Guard Coverage |
"Inflation Guard Coverage" provides automatic
periodic increases on the building's property insurance, to
reflect the effects of inflation on building replacement
expenses.
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Inherent Vice |
A property flaw or fault which causes its own
destruction. Damages from inherent vices are usually not covered
through insurance. |
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Liberalization Clause |
If policies or endorsement forms
are broadened through legislation or rating authority
rulings-and do not require premium increases-the "liberalization
clause" automatically includes the broadened coverage in
similar, existing policies.
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Limit of Liability |
The ceiling set on the amount an insurer will
pay for a loss. See Single Limit Liability and Split Limit
Liability.
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Livery Use |
This is use of a vehicle to carry passengers
for a fee, as in a taxicab or a rented limousine. Unless
specified in your policy, livery use is not covered by your auto
insurance. Carpooling is not considered livery use.
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Loss of Use Coverage |
If your home becomes uninhabitable because of
an insured peril, Loss of Use (Coverage D) provides compensation
for additional living expenses incurred in an attempt to
maintain a normal standard of living. Loss of Use is
automatically included as 20% of the Replacement Cost amount you
carry in Coverage A. If your home were covered for $200,000, for
example, Loss of Use coverage would provide up to $40,000 for
additional living expenses. See Additional Living Expenses.
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Loss Payable Clause |
To protect lenders or lienholders, this clause
extends coverage to parties with an insurable interest in your
property, most often the institution holding your mortgage.
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Masonry
Noncombustible Construction |
Refers to buildings constructed
from noncombustible materials such as masonry walls of brick,
cinder block, stone, tile, or other similar materials, and
floors and roofs made of metal or other noncombustible
materials.
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Medical Payments/Personal
Injury Protection |
Covers you, the members of your household and
your passengers for medical and funeral expenses resulting from
an auto accident, regardless of who is at fault. Personal Injury
Protection is not applicable in all states.
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Mobile Home Policy |
A homeowner's policy for a permanently situated
mobile home.
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Modified Fire-Resistive
Construction |
Building construction featuring exterior walls,
floors and roofs made of fire-resistive materials such as
masonry or metal.
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Mortgage Clause |
In policies covering mortgaged property, the
"mortgage clause" protects the interests of the mortgagee for
loss reimbursement and other rights of recovery, regardless of
any acts or neglect by the insured.
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Mortgagee |
A lender or creditor, typically a bank, who
holds the mortgage, and lends money secured by the value of the
mortgaged property.
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Mortgagor |
Usually the homeowner who, as debtor, receives
money in return for a property mortgage granted as a security
for the loan.
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Motor Vehicle Record (MVR) |
Your state's record of your auto accidents
and/or traffic violations. Your insurance rates are based on,
among other factors, the quality of your driving history-a good
record can mean lower rates! When you accept a policy with
our Insurance, for example, our Insurance uses your
driver's license number to review your MVR for claims, losses
and violations you may have had in the past five years.
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Multi-Car Discount |
If you have more than one car insured with
our Insurance, you probably qualify for a 20% discount
(available in most states)! |
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Named Perils |
Named Perils Insurance covers
specific perils listed in a policy, as opposed to a Special Form
Policy (such as an HO3) that covers all perils except the ones
excluded by name in the policy.
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National Flood Insurance Program
(NFIP) |
A program reinsured by the United States
government to provide flood insurance for fixed property. The
NFIP writes policies directly and offers reimbursement to
private carriers offering flood insurance.
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No Fault |
See PIP (Personal Injury
Protection)
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Occupancy |
Property insurance rates reflect
the way the property is used. In general, "owner occupied"
homeowner's policies are less expensive than "non-owner
occupied" policies.
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Off Premises |
Coverage you can obtain for personal property
or "contents" which are away from the principle insured
property. In most cases, the amount of this coverage is limited
to a percentage of the property's total coverage.
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Other Structures |
Generally detached structures, such as a garage
or tool shed, sharing property with the insured dwelling. Under
a homeowner's policy, "other structures" are automatically
covered for 10% of the limit chosen for Coverage A.
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Ownership |
The Personal Auto Policy covers cars owned by
an individual, or a husband and wife residing in the same
household. These requirements exclude coverage for cars owned by
businesses or groups of people.
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Personal Injury
Protection Deductible |
Deductible Under your Personal
Injury Protection (PIP) coverage, you may have the option of
choosing a deductible or co-payment amount. These are amounts
that you would pay out of pocket (in exchange for a reduced
premium) before you were entitled to any recovery payment under
your PIP coverage. These options are not available in all
states.
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Personal Injury Protection |
Waiver of Work Loss Under the Personal Injury
Protection coverage, selecting Waiver of Work Loss will
eliminate coverage for any work loss due to the covered
accident. You may waive the Work Loss coverage only if you and
your resident spouse (if applicable) have not received any
earned income from wages during the thirty-one days prior to
your policy's effective date and none is expected in the next
one hundred eight days. (This waiver applies only to the named
insured and resident spouse. All other covered persons will be
entitled to basic PIP benefits for Work Loss). This option does
not apply to all states with Personal Injury Protection coverage
options.
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Personal Property |
Any of your property, such as furniture,
clothing and consumer electronics, other than real estate
property. Your homeowner's policy covers the personal property
of you and any family members.
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Physical Damage |
Actual damage to your property.
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Property Damage |
Damage to the property of others, including
loss of use, caused by your car or another person's car driven
by you or a family member.
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Rental Reimbursement |
An accident shouldn't leave you
stranded without transportation. Rental Reimbursement coverage
helps pay for the cost of a rental vehicle while yours is being
repaired. In most states, coverage options range from $20/day up
to $50/day. This coverage is optional. When you carry physical
damage coverage for theft, you may be entitled to reimbursement
of rental expenses if your car is stolen even if you don't carry
Rental Reimbursement Coverage. Also called Transportation
Expense Coverage or Substitute Transportation.
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Rental Value |
Insurance protection against loss of rental
value or actual rent should the owner's insured property suffer
damages prohibiting property use or tenant occupation.
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Renters Insurance |
See HO4 policy. |
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Replacement Cost |
Coverage for the cost of replacing damaged
property at the time of loss with that of similar kind and
quality. If you carry replacement cost coverage and have a loss,
the insurer pays for the cost of a new replacement, minus any
policy deductible, without deduction for depreciation.
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Residence Premises |
Where you, the insured, live. In homeowner's
insurance, this includes the dwelling, grounds and other
structures, or that part of any other building in which you
live.
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Safe Driver
Insurance Plan |
To encourage safe driving-and
penalize unsafe drivers-most states assign "points" to traffic
violations and certain accidents. Each point adds a percentage
surcharge to your insurance policy. Specific surcharge
guidelines vary by state.
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Scheduled Personal Property |
Personal belongings that are worth more than
the limits of liability set in your policy, such as jewelry,
furs, silverware, etc., can be insured by adding this special
endorsement.
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Single Limit Liability |
Insurance policies covering both bodily injury
and property damage can be limited in two ways. A single limit
liability has one limit for both injury and property damage
combined. For example, if a policy had a $60,000 liability
limit, the maximum amount the policy would pay for the total
injury and property damage would be $60,000.
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Sinkhole Collapse |
A special form of earth movement, covered by
some homeowner's insurance, referring to the sudden collapse or
sinking of land into empty, underground spaces eroded by water.
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Split Limit Liability |
A split limit liability policy has separate
limits per person and per accident for bodily injury, and a per
accident limit for property damage.
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Stacked/Non-Stacked
Uninsured/Underinsured Motorist |
When Stacked Uninsured/Underinsured coverage is
selected, the limits of coverage available for Uninsured
Motorists Coverage are the sum of limits for each motor vehicle
insured under the policy. For Non-Stacked Uninsured/Underinsured
coverage, the maximum limit of liability for each covered
accident is the limit of liability shown in the Declarations
Page, regardless of the number of vehicles or premiums shown in
the Declarations Page.
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Standard/Conversion Underinsured
Motorist |
Standard Underinsured Coverage (UIM) coverage
is usually reduced by amounts paid by workers' compensation, or
by or on behalf of the person at fault. Conversion Underinsured
Motorist (UIMC) is not reduced by payments from any source. Both
Standard (UIM) and Conversion (UIMC) coverages only become
available after the liability insurance of the at-fault person
has been fully paid. Not available in all states.
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Stated Amount |
In your policy, you may choose to cover certain
items for a specific amount. In the event of loss, the insurer
pays the stated amount regardless of the property's actual
value. If, for example, you insured a painting for a stated
amount of $15,000, in the event of theft you would recover the
$15,000 (minus your deductible), even if the painting had
accrued value after the policy had been signed.
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Substitute Transportation |
An accident shouldn't leave you stranded
without transportation. Substitute Transportation coverage helps
pay for the cost of a rental vehicle while yours is being
repaired. In most states, coverage options range from $20/day up
to $50/day. This coverage is optional. When you carry physical
damage coverage for theft, you may be entitled to reimbursement
of substitute transportation expenses if your car is stolen,
even if you don't carry Substitute Transportation Coverage. Also
called Transportation Expense Coverage or Rental Reimbursement. |
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Tenants Policy |
Another term for Renters Insurance.
See HO4 policy.
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Towing |
For more peace of mind when you're on the road,
many policies include coverage for towing and/or repair at point
of breakdown. This is an optional coverage-call and add it to
your policy. You'll be surprised how inexpensive this
convenience can be!
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Transportation Expense |
An accident shouldn't leave you stranded
without transportation. Transportation Expense coverage helps
pay for the cost of a rental vehicle while yours is being
repaired. In most states, coverage options range from $20/day up
to $50/day. This coverage is optional. When you carry physical
damage coverage for theft, you may be entitled to reimbursement
of transportation expenses if your car is stolen, even if you
don't carry Transportation Expense Coverage. Also called
Substitute Transportation or Rental Reimbursement.
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Type of Vehicle |
The terms of your insurance policy vary with
the type of vehicle you wish to cover. In order to qualify for
Personal Auto Coverage, for example, your vehicle must be a
private passenger auto or a motor vehicle considered to be a
private passenger auto. (A "private passenger auto" is defined
as a four-wheel motor vehicle, other than a truck, owned or
leased for at least six continuous months.) Pickups and vans may
be considered private passenger autos under the following
conditions: they must have a gross vehicle weight (GVW) of less
than 10,000 pounds and must not be used for the delivery or
transportation of goods or materials, unless such use is
incidental to an insured's business of installing, maintaining
or repairing equipment, or such use is for farming or ranching.
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Underinsured
Motorist Property Damage (UIMPD) |
Underinsured Motorist Property
Damage Coverage provides coverage when property damage is
sustained by an insured and the negligent operator possesses
insurance, but the limits of liability carried by the negligent
driver are not sufficient to cover the damages.
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Underinsured Motorist (UIM) |
Insurance provisions for the "underinsured
motorist" cover you, the insured members of your household and
your passengers for injuries, damages or death caused by the
negligence of a person with insufficient insurance. Should you
have a valid claim against a person whose coverage cannot meet
your damages, your policy will meet the difference-up to the
limit of liability listed on your policy.
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Uninsured Motorist Property
Damage Deductible |
Uninsured Motorist Property Damage coverage may
be subject to a deductible at the option of the insured. This
option may not be available in all states.
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Uninsured Motorist (UM) |
In your policy, the "uninsured motorist"
provision covers you, the insured members of your household and
your passengers for bodily/personal injuries, damages or death
caused by an at-fault uninsured or hit-and-run driver. For
example, if you are involved in an accident where the other
driver is at fault but has no insurance, your policy will cover
your medical expenses, up to the limit on your policy.
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Uninsured Property Damage (UMPD) |
Property Damage Uninsured Motorists Coverage
provides coverage for your auto when property damage is
sustained by an insured and the negligent operator does not
possess insurance.
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Unoccupied |
Property without people occupying or living
within it. As opposed to vacant property, unoccupied property
may hold furnishings. Unoccupancy beyond a specified period of
time is prohibited by the standard homeowner's policy. |
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Vacant |
A building with nothing in it.
While an "unoccupied" building is defined by not having people
in it, a "vacant" building is also devoid of furnishings and
other items. Vacancy beyond a specified period of time is
prohibited by the standard homeowner's policy.
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Vandalism and Malicious
Mischief |
Your homeowner's policy automatically covers
you for willful destruction or damage performed by others to
your property.
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VIN (Vehicle Identification
Number) |
This is a 17-character number that is unique to
each vehicle and identifies characteristics of the vehicle such
as year, make, model and engine specifics. The VIN is usually
located on the driver's side of the dashboard.
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Violation(s) |
Any driving offense for which you are issued a
ticket. (Does not include parking tickets.) When applying for
insurance, you must disclose all violations received within the
specified time frame. The completion of safe or defensive
driving courses does not negate the fact that a ticket was
received. |
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Window Etching |
Window Etching is a vehicle
identification system in which letters, numbers, or the Vehicle
Identification Number (VIN) is etched into the vehicle. Specific
states have specific requirements. Please contact an our
Insurance account specialist for additional information. The
our Insurance FAQ section can answer commonly asked
questions. Definitions offered in this section are meant to
provide generic insurance information to consumers. They are not
complete descriptions of all terms, exclusions and conditions
applicable to the products and services offered by our
Insurance. The terms and conditions of the policies issued are
controlling in all cases. Product availability varies by state. |
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