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Personal Injury Protection — Pays basic expenses for an insured and his or her family in states with no-fault Auto insurance. Automobile Liability Insurance — Coverage if an insured is legally liable for bodily injury or property damage caused by a vehicle that the individual owns or operates. Indemnity — Restoration to the victim of a loss by payment, repair or replacement. Term Life Insurance — Life insurance that provides protection for a specified period of time. Stop Loss — Any provision in a policy designed to cut off an insurer's losses at a given point.
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Policy — The written contract between an insured and the insurance company. Benefits include paid hospital expenses, medical expenses, surgical expenses and income payments. Premium — The price of insurance protection for a specified risk for a specified period of time. Adjustable Life Insurance — Life insurance that gives the policyholder power to change the face amount, premium, coverage period or other features of the policy. In property insurance, coverage lists perils insured against, properties covered, locations covered, individuals insured, and the limits of indemnification. Multi-Car Discount — Available to policyholders at the same property address who insure more than one vehicle. Pays the cost of treatment, rehabilitation and sometimes lost wages and funeral expenses due to an accident Automobile Liability Insurance — Coverage if an insured is legally liable for bodily injury or property damage caused by a vehicle that the individual owns or operates. In life insurance, living and death benefits are listed. Exposure — Measure of vulnerability to loss, usually expressed in dollars or units. Check out Apollo Insurance Services on Yelp. For example, fire damage or a cracked windshield would be covered under the comprehensive section. Inflation Protection — An optional property coverage endorsement that increases the limits of insurance during the policy term to keep pace with inflation.
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Guaranteed Renewable — A provision in many insurance products that guarantees the policy owner the right to renew coverage at every policy anniversary date. Driver Training Discount — A discount for people who have taken a driver training course; not available in all states or for all individuals. Also known as "waiting period. Generally, depreciation is not an insurable loss. Nonstandard Auto High-Risk Auto or Substandard Auto — Insurance for motorists who have poor driving records or have been canceled or refused insurance. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. The waiver of premium remains in effect as long as the insured is disabled. Schedule — A list of items covered under a Homeowners policy. Casualty Insurance — A type of insurance that is primarily concerned with losses caused by injuries to persons and legal liability imposed upon the insured for such injury or for damage to property of others. Waiting Period - See Elimination Period. This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Slots online spielen maya symbole property insurance, coverage lists perils insured against, properties covered, locations covered, individuals insured, and the limits of indemnification. Auto Theft — Theft of an auto is a type of loss covered under casino online games gratis casino spiele ohne anmeldung coverage. Preferred Auto — Auto coverage available to drivers whose driving records are free of accidents, violations and claims. Liability — Broadly, any legally enforceable obligation. The penalty is based on a percentage stated within the policy and new online casino wonky amount under reported. Peril — The cause of a possible loss. Licensed Insurer — A company that is incorporated or chartered in one state but is a licensed admitted insurer for another state to write specific lines of business. Commercial Lines — Refers to insurance for businesses, professionals and commercial establishments. Such attorneys might be solo practitioners or work as part of a law firm. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element like whole life insurance which is invested to provide a cash value buildup. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Hazard — A circumstance that increases the likelihood or probable severity of a loss. Loss Control —The use of appropriate insurance, avoidance of risk, loss control, risk retention, self insuring, and other techniques that minimize the risks of a business, individual, or organization. Many insurance policies provide such coverages, but the two most often used are the Commercial Package Policy and the Business Owners Policy. Waiting Period - See Elimination Period. In types of insurance, such as Liability, an occurrence is distinguished from accident in that the loss does not have to be sudden and fortuitous but can result from continuous or repeated exposure that results in bodily injury or property damage.