A B C D E F G H I J K L M
N O P Q R S T U V W X Y Z

Accidental death coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.

If a covered individual dies from accident-related injuries, this coverage provides a payment to the insured's designated beneficiary.
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An adjuster is the person who investigates and settles claims on behalf of the insurance company.
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Agents and brokers both sell and manage insurance for clients. Agents are the authorized representatives of an insurance company or companies, while brokers are the authorized representatives of parties seeking insurance.
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This system consists of an electronic device that is installed in a concealed area of your car. If your car is stolen, you can activate the device and it will emit a signal that police cruisers equipped with appropriate sensing equipment can use to locate your vehicle.

The system can be effective over a radius of several miles, depending on local geography. Ask your car dealer or nearby police department which brand of recovery systems are supported in your area.
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A benefit is the amount paid by an insurance company to you or your beneficiary when you file a claim.
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Bodily injury liability coverage protects you if you are held responsible for injuring someone else in an auto accident.

This coverage helps pay for the injured party's medical expenses and lost wages. Bodily injury liability also helps pay your expenses in a related lawsuit.

The amount paid by bodily injury liability coverage is capped at the limit you purchase.
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This coverage is available only in the state of Michigan.

Broadform works like standard collision coverage, but also pays for collision damage to your insured auto regardless of who is at fault.

Although the coverage will pay up to the car's actual cash value regardless of fault in an accident, you will be responsible for the deductible amount you select if you are found to be more than 50 percent responsible for the accident. If you are less than 50 percent responsible, you will not have to pay this deductible.
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This means that you use your car for business purposes such as sales, service, or delivery calls, work-related errands (such as trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered business use.

Esurance does not currently provide insurance for vehicles driven primarily for business use.
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A claim is a policyholder's request for reimbursement of a loss that is covered by the their insurance.
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Collision coverage helps pay for auto repair or replacement costs if your car hits another vehicle/an object or if your car rolls over.

The maximum amount paid for repair or replacement is the car's actual cash value, less the amount of the deductible you select.
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This coverage pays the deductible for your collision coverage if you are involved in an accident in which an uninsured motorist is held legally responsible for the accident.

The collision deductible waiver is not available in all states Where available, this coverage must be purchased in conjunction with collision coverage.
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If you primarily use your car for commuting, this means that you are typically driving it to and from work or school on a regular basis.
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Comprehensive coverage helps pay for damage to your car resulting from fire, certain natural disasters, falling objects, and vandalism. Theft is also covered.

The maximum amount paid for repair or replacement is the car's actual cash value, less the amount of a deductible you select.
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The length of time you have been continuously insured is the number of years you have been covered by one or more insurance companies without any lapse in coverage.
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The declarations page shows the factual information essential to the insurance contract: the policyholder's name and address, a description of the insured property, the premiums to be paid, as well as the limits and deductibles for different coverages.
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For some insurance coverages, you are asked to choose a deductible. The deductible is the portion of losses that you agree to pay in the event of an accident.

Though choosing a higher deductible can substantially lower your insurance premium, if an accident occurs, you must pay the full, pre-established amount of the deductible in order to receive payment from your insurance provider.
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These courses consist of defensive driving training for drivers of all ages as well as "mature driver safety courses" intended for drivers age 55 and over.

You may qualify for a discount on your insurance premium if you have completed such courses.
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Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence.
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The effective date is the date your insurance coverage begins. You are not covered prior to a policy's effective date.
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This optional coverage pays a fixed amount toward vehicle towing if your car breaks down or if it is disabled in an accident.
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Also known as riders, endorsements are changes to the original insurance contract, such as a different deductible or an additional car or driver.
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Exclusions are situations that are not covered by a given insurance policy. Specific exclusions are listed on your insurance policy.
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Extraordinary medical coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.

Extraordinary medical coverage protects you in the event you suffer accident-related injuries that require serious and/or long-term medical care. Extraordinary medical coverage begins once you have exhausted the limit on your standard medical benefits coverage.
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First Party Benefits, or FPB, is an optional set of coverages available in Pennsylvania.

Depending on the specific FPB coverages you select, if you are injured in an accident, FPB covers you and relatives residing in the same household for medical expenses, lost income, accidental death, and/or funeral costs.

Payments for losses are capped by limits that vary for each coverage you purchase.
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Full coverage denotes an insurance policy containing all coverage legally required in a given state. It does not imply the policyholder will always be fully covered.
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Funeral benefits coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans. If a covered individual dies from accident-related injuries, this coverage pays for a portion of funeral expenses.
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The garaging location is where an insured vehicle is primarily parked. This location is usually the ZIP code of the policyholder's primary residence.
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Income Loss coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.

Income loss coverage protects you if you are unable to work due to accident-related injuries. It helps you recover portions of your lost salary and other expenses you may incur as you try to return to work.
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An indemnity is a pre-determined sum paid for a covered loss.
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Insurance claim reports provide details about claims you or other insured drivers have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.
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Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.
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The insured is an individual covered by a given insurance policy.
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Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's auto.
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Liability coverage protects you from having to deplete your assets to pay for damages if you are held responsible for injuries or damages arising from an auto accident.

The two main types of liability coverages in an auto insurance policy are bodily injury and property damage.
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Limits are the maximum amount an insurance company will pay for a covered loss. While you can choose the limits you want to purchase for certain coverages, some states require you to buy limits no lower than a certain amount.
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Medical Benefits coverage is sometimes a part of Personal Injury Protection or First Party Benefits plans.

Medical expenses that are the direct result of accident-related injuries are covered. Covered medical expenses are limited to the amounts you specify.
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This coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.

This may also cover policyholders and their family members when in others' vehicles, or when policyholders and their family members are on foot and hit by a car.

The amount paid by medical payments coverage is capped at the limit you select.
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A Motor Vehicle Report (MVR) provides information on your driving record. This report includes accidents and moving violations. Insurance carriers obtain MVRs from states where you or other insured drivers have been licensed to drive.
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The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores.
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No-fault insurance refers to the way insurance companies settle claims. Generally, a no-fault policy will not require that blame be assigned in order for a policyholder to be paid.
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In some states, called no-fault states, insurance companies are legally required to pay a policyholder's covered losses, regardless of who is at fault in an accident. Some no-fault states also restrict the right to sue for damages.

In states without no-fault regulations, the insurance company covering the person who caused an accident is forced to pay for covered losses.
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A non-passive alarm must be manually activated every time you leave the car. If someone attempts toyour car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may qualify for a discount on your insurance premium if your car is equipped with such an alarm.
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An occasional driver is a driver who is not the most frequent driver of the insured vehicle.
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Passive alarms are automatically activated and will emit a warning sound when someone attempts toyour car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.

You may receive a discount on your insurance premium if your car is fitted with such an alarm.
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Personal Injury Protection, or PIP, is a set of coverages available only in certain states, where it is often mandatory.

PIP generally includes expanded coverage of medical costs and, in some states, PIP also pays for lost wages and similar losses.

Specific protections afforded by this coverage and limits on PIP payments vary widely from state to state.
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If you use your car for pleasure, this means that you are typically driving for fun, with no regular commuting or business use.
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The policy expiration date is the date coverage under a current insurance policy ends if the policy is not renewed. The expiration date can be found on the declarations page of a policy, on a proof of insurance card, or on a recent renewal notice.
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A policy term is the length of time an insurance policy is valid.
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The primary driver is the person who drives the car most frequently.
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A vehicle's primary use is how the vehicle is typically used. This use may be characterized as commuting, business use, or pleasure use.
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The primary policyholder is the person who serves as the main point of contact with Esurance. Since he/she is the main point of contact, the primary policyholder has to provide us with an email address so that we can send account updates, renewal notices, and other important communication.

Typically, the primary policyholder is also the person billed for the Esurance policy, though any person listed on the policy can make the premium payment
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Property damage liability coverage protects you if you are held responsible for damaging someone else's property in an auto accident.

Property damage coverage helps you reimburse another person for their damaged property (such as a car, a fence, or a home). This coverage also helps pay your expenses in a related lawsuit.

The amount paid by property damage liability coverage is capped at the limit you select.

Rental car reimbursement is an optional coverage that helps pay your rental car expenses if an insured vehicle is damaged or stolen and you require a rental car.
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An SR-22 is a document that shows proof of financial responsibility. Courts may require an SR-22 for people convicted of certain traffic violations.
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A secondary driver is a driver who is insured for driving a covered vehicle, but is not the primary driver. A secondary driver is also sometimes known as an occasional driver.
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A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it more difficult for potential thieves to access, or "hotwire" your car's ignition system.

You may qualify for a discount on your insurance premium if your car is fitted with a steering restraint.
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Tort is a legal term used to describe instances when someone is deemed legally responsible for injuring another person or damaging his/her property.

Some states ask you to select a tort provision. In these states, you can limit your right to sue for non-monetary damages (like pain and suffering) in exchange for a reduction to your premium.
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This optional coverage pays a fixed amount toward vehicle towing if your car breaks down or if it is disabled in an accident.
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Underinsured motorist bodily injury coverage is available in some states, where it may be mandatory.

This coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient insurance coverage.

This coverage typically pays the difference between your coverage and the other driver's bodily injury coverage. The amount paid by underinsured motorist bodily injury coverage is capped at the limit you select.
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Underinsured motorist property damage coverage is available in some states, where it may be mandatory.

This coverage protects you if your vehicle is damaged in an accident caused by a driver who has insufficient insurance coverage. Other specific protection afforded by this coverage varies from state to state.

This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. The amount paid by underinsured motorist property damage coverage is capped at the limit you select.
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Uninsured motorist bodily injury coverage is available in some states, where it may be mandatory.

This coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.

The amount paid by uninsured motorist bodily injury coverage is capped at the limit you select.
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Uninsured motorist property damage coverage is available in some states, where it may be mandatory.

This coverage protects you if your vehicle is damaged in an accident caused by a driver who has no insurance. Other protection afforded by this coverage varies from state to state..

The amount paid by uninsured motorist bodily injury coverage is capped at the limit you select. In some states, you will need to pay a deductible each time you make a claim.

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In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In the states where it is offered, this coverage may be mandatory.

This coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient or no insurance coverage. This coverage also pays for injuries sustained in hit-and-run accidents.

The amount paid by uninsured/underinsured motorist bodily injury coverage is capped at the limit you select.
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The VIN, short for vehicle identification number, is the unique 17-digit number found on every car. It contains the vehicle's serial number, as well as abbreviations for the make, model, and year.

The number appears on your vehicle registration card. It is also engraved in your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.
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