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Frequently
Used Auto Insurance Terms -  |
Aftermarket Part
- After-market parts are made by a company
other than the manufacturer of the vehicle.
Actual Cash Value- An amount equivalent
to the fair market value of the stolen or
damaged property immediately preceding the
loss. For real property, this amount can
be based on a determination of the fair
market value of the property before and
after the loss. For vehicles, this amount
can be determined by local area private
party sales and dealer quotations for comparable
vehicles.
Admitted Company - An insurance company
authorized to do business in California.
Agent - A licensed person or organization
authorized to sell insurance by or on behalf
of an insurance company.
Auto Insurance - Coverage on the risks associated
with driving or owning an automobile. It
can include collision, liability, comprehensive,
medical, and uninsured motorist coverages.
Binder - A temporary or preliminary agreement
which provides coverage until a policy can
be written or delivered.
Bodily Injury - Bodily harm, sickness or
disease, including death. This does not
include communicable diseases such as HIV/AIDS.
Broker - A licensed person or organization
paid by you to look for insurance on your
behalf. Back to Top
Cancellation - The termination of insurance
coverage during the policy period. Flat
cancellation is the cancellation of a policy
as of its effective date, without any premium
charge.
Claim - Notice to an insurer that under
the terms of a policy, a loss maybe covered.
Claimant - The first or third party. That
is any person who asserts right of recovery.
Collision Coverage - Coverage that insures
against damage to your vehicle as a result
of hitting another vehicle or object (i.e.
a tree).
Comprehensive Coverage - Coverage that insures
against damage to your vehicle as a result
of a loss caused by something other than
collision. Some examples are theft, fire,
vandalism or falling objects. This coverage
is sometimes referred to as "Other-than-Collision".
Coverage - The scope of the protection provided
in your insurance contract, as well as any
of several risks covered by a policy. Back
to
Top Declaration - The part of your written
policy (contract) that includes your name
and address, the property that is being
insured, its location and description, the
policy period, the amount of insurance coverage
and the applicable premiums.
Decline - The company refuses to accept
the request for insurance coverage.
Deductible - The portion of a claim you
pay out of pocket before the insurance company
pays. A higher deductible will lower your
premium and you do not have to carry the
same deductible for comprehensive and collision
coverages.
Depreciation - A decrease in value due to
age, wear and tear, etc.
Endorsement - Any change made to a policy.
Exclusion - A restriction in your insurance
policy that denies coverage for certain
perils, persons, property or locations.
Expiration Date - The date on which the
policy ends.
Grace Period - A period (usually 31 days)
after the premium due date, during which
an overdue premium may be paid without penalty.
The policy remains in force throughout this
period. Back to Top
Insured - The person or organization covered
by an insurance policy.
Insurer - The insurance company.
Liability Coverage - Coverage that insures
against damages (to other party) for bodily
injury or property damage when you are legally
responsible for an auto accident.
Limits of Liability - The specified amount
up to which the insurance company will protect
you as set forth in the policy.
Loss experience - The types and amounts
of claims that you have previously had.
Material Misrepresentation - The policyholder
/ applicant makes a false statement of any
material (important) fact on his/her application.
For instance, the policyholder provides
false information regarding the location
where the vehicle is garaged.
Medical Payment Coverage - Coverage that
pays for minor medical expenses (to you
or your passengers) resulting from an accident,
regardless of fault.
No-fault Insurance - An insurance system
where your insurance coverage pays for your
injuries regardless of who caused the accident.
Back to Top
Policy - A contract between you and the
insurance company.
Premium - The price of the insurance policy.
Premium Financing - A policyholder contracts
with a lender to pay the insurance premium
on his/her behalf. The policyholder agrees
to repay the lender for the cost of the
premium, plus interest and fees.
Property Damage - Physical injury to, destruction
of or loss of use of tangible property (of
other party).
Quote - A cost estimate for insurance coverages
based on specific information, including
drivers, vehicles and driving record. Back
to Top Rate - The amount you pay as premium.
Replacement Cost - The cost to repair or
replace an insured item. Some insurance
only pays the actual cash or market value
of the item at the time of the loss, not
what it would cost to fix or replace it.
If you have personal property replacement
cost coverage, your insurance will pay the
full cost to repair an item or buy a new
one once the repairs or purchases have been
made.
Replacement Value - The full cost to repair
or replace the damaged property with no
deduction for depreciation, subject to policy
limits and contract provisions. Rider -
Usually known as an endorsement, a rider
is an amendment to the policy used to add
or delete coverage.
Risk - The chance of loss. Back to Top
Subrogation - The process of payment recovery
whereby your insurance company settles the
claim for damage to your car and seeks payment
recovery (including your deductible) from
the other party if your car is damaged because
of that party's negligence.
Surcharge - An extra charge applied by the
insurer. For automobile insurance, a surcharge
is usually for accidents or moving violations.
Underwriting - The process of determining
risk and in what amounts and on what terms
the insurance company will accept the risk.
Uninsured/Underinsured Motorist Coverage
- Coverage that insures against damages
(to you or your passengers) for bodily injury
when the responsible party has no insurance
or insufficient insurance to pay for damages.
This coverage includes hit-and-run accidents.
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