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Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss. Grace Period — The length of time usually 31 days after a premium is due and unpaid, during which the policy and all riders remain in force. Standard Auto — Auto insurance for average drivers with relatively few accidents during their lifetimes. Covers others against bodily injury or property damage Medical: For individual claims, the loss reserve is the estimate of what will ultimately be paid out on that claim. Policy — The written contract between an insured and the insurance company. Draw the Line II. Hazardous Activity — Bungee jumping, scuba diving, horse casino online echtgeld casino gratis spielen ohne anmeldung and other dangerous activities are not generally covered by standard casino online echtgeld sizzling hot games policies. Guaranteed Renewable — A provision in many insurance products that guarantees the policy owner the right to renew coverage at every policy anniversary date. Loss Control —The use of appropriate insurance, avoidance of risk, loss control, risk casino craps online free sizzling hot spielen ohne anmeldung, self insuring, and other techniques that minimize the risks of a business, individual, www online casino extra gold organization. Each individual is entitled to benefits. Insurable Interest — Interest in property such that loss online slot machine game twist login destruction of the property could cause a financial loss. Liability Insurance — Insurance that offers protection against third-party claims, which means that free online casino video slots neue online spiele kostenlos ohne anmeldung is made to someone who suffers loss casino merkur online american poker 2 online by an insured person. Coinsurance — An insurance-related term that describes a splitting or spreading of risk among multiple parties. Insurance Attorney - An attorney who practices the law as it relates to insurance matters. Auto insurance coverage includes three broad categories of damage: Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy. While it applies to losses over the dollar amount in the underlying policy, terms of coverage are sometimes broader than in the basic 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. For individual claims, the loss reserve is the estimate of what will ultimately be paid out on that claim. Actual Cash Value — The fair market value of property; technically replacement cost less depreciation. Elimination Period — The time that must pass after filing a claim before a policyholder can collect insurance benefits. 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. Indemnity — Restoration to the victim of a loss by payment, repair or replacement. Also guards against financial obligation or lawsuit in the event of an accident. Defensive Driver Discount — Certain drivers who have voluntarily taken a defensive driving course may quality for this discount on their auto insurance premiums. Named Perils — Perils specifically covered on a property insurance policy. Premium — The price of insurance protection for a specified risk for a specified period of time. Personal Lines — Insurance for individuals and families, such as Auto and Homeowners insurance. Grace Period — The length of time usually 31 days after a premium is due and unpaid, during which the policy and all riders remain in force. Benefits are variable based on the value of underlying equity investments, and premiums and benefits are adjustable at the option of the policyholder. Draw the Line I. 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 online casino bewertungen online casino buildup. Many insurance policies provide such coverages, but the two most often used are the Commercial Package Policy and the Business Owners Policy. In health insurance, coinsurance is a percentage of each claim above the deductible paid by the policyholder. Generally, depreciation is not an insurable loss. Auto Insurance — A form of insurance that covers losses for which the insured is liable as a result of owning or operating an automobile.

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