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What is Absolute Liability?
Absolute Liability is liability for damages whether or not negligence or fault can be proven. 
What is Actual Cash Value?
Actual Cash Value is the amount of money awarded for car property damage losses, which are usually equivalent to the cost of replacing the damaged item, minus depreciation.
What is an Additional Insured or Additional Interest?
An Additional Insured or Additional Interest is an organization or person in addition to the covered person or named insured, who is insured by the named insured's auto policy.
What is Age Discrimination?
Age Discrimination in automobile insurance is based on using age as a factor in rating automobile insurance. Drivers that are between the ages of 30 and 60 are usually considered preferred risks. On the other hand drivers under the age of 30 and over the age of 60 have a harder time finding auto insurance coverage and pay substantially higher premiums. These age groups are treated differently by insurance companies since statistics show that very old and very young drivers have more accidents than the age groups in the middle.
What is Assigned Risk?
An Assigned Risk is a risk not normally acceptable to insurers and according to state law is assigned to insurer's who participate in a plan where the participating insurers agree to accept their fair share of these risks.
What is At Fault?
At fault is the person responsible for an accident.
What is Automobile Insurance?
Auto insurance protects the person insured against financial losses involving an auto accident. You agree to pay the premium and the insurance company agrees to pay you losses defined in your auto policy.
Different types of coverage may be purchased based on the needs of the insured. Some of these coverages include Property Damage Liability, Bodily injury Liability, Medical Payments, and Physical Damage coverage of Comprehensive and Collision. Most auto policies are from 6 months to a year.
What is an Anti-Theft Device?
An Anti-Theft Device is a device that is intended to reduce the possibility of an automobile being stolen or vandalized, and also to help assist in the recovery of the car.
What is an Anti-Theft Recovery System?
An Anti-Theft Recovery System provides an electronic device that's installed in a concealed location in your car. Then if your car gets stolen, you can activate the Anti-Theft Recovery System device, which emits a signal that can be used to find your car.
These Anti-Theft Systems can be effective in cars for several miles, depending on local geography. Your car dealer or police department should know which brands work the best in your car based on your geographic location.
Installing an anti theft recovery system usually qualifies your for an auto insurance discount.
What is an Auto Insurance Claim?
An Auto Insurance Claim is a request by a policyholder to be reimbursed for a loss covered by his car insurance.
What is a Basic Auto Policy?
It is a policy which is broader as far as eligibility for coverage, but narrower in total amount of coverage as compared to Family or Personal Auto policies. It mostly is used to insure commercial vehicles, but is also used for motorcycles, motor scooters, and to cover substandard types of risks. 
What is Basic Limits of Liability?
Basic Limits of Liability is the smallest amount of liability insurance coverage that can be purchased and usually equal to the minimum amount of car insurance required by law.
An auto insurance insurer will use the basic limits to determine the base rates. An auto insurance company applies an increased limits factor to the base rate in order to calculate the new premium, for the increased amount of coverage, if an insured wants higher limits.
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What is a Binder?
A Binder is a written or oral statement that provides immediate insurance protection, and is valid for a certain specific time period. A Binder is basically designed to provide temporary auto insurance coverage until a policy can be issued or declined or denied.
What is Bodily Injury Liability Coverage?
This coverage protects the insured if the insured is held responsible for injuring another in a car accident. It helps pay the medical expenses of the injured person. It may also aid in paying expenses in a related lawsuit. The amount covered is limited to the limits selected when the auto insurance policy was purchased.
What is a Business Auto Policy?
It is a policy providing Liability and Physical Damage coverage on Commercial Vehicles. In most places this has been replaced by Business Auto Coverage.
What is Business/Commercial Use?
This is the type of classification that means that your auto is mainly used for business purposes or work-related errands. This plan will pay a car's cash value regardless of the fault. Traveling or commuting to work and back is not considered business use.
What is a Claim?
A Claim is the right of an insured to assert his or her legal right against an auto insurer. Inherent within a claim is to be able to demand appropriate reimbursement for the claim.
What is Collision Insurance?
Collision Insurance is a type of auto insurance that covers a loss suffered to the vehicle of the insured caused by a collision with another vehicle or other object causing damage, but it does not cover bodily injury or property damage caused by the collision.
How can I reduce the cost of Collision Coverage?
The cost of Collision Coverage can be reduced by raising the deductible or eliminating the coverage altogether. The deductible is your out of pocket cost before the insurance company pays. The lower the deductible the higher the premium and vice versa.
Getting Collision coverage on older autos is generally not worth the cost on older, high mileage cars because if there is a claim with a large amount of damages the insurance company will most likely declare your auto a total loss instead of fixing it.
This is true because the cost of fixing your auto exceeds the market value of the car. The money you receive for the auto in a total loss may not be worth the premiums you pay for the collision coverage. 
What is a Collision Deductible Waiver?
Collision Deductible Waiver is insurance coverage that will pay the deductible for your collision coverage if you're in an accident in with an uninsured motorist who is held legally responsible.
The Collision Deductible Waiver type of auto insurance coverage isn't available in all states. If available, it mus be purchased along with collision coverage when you buy your auto insurance policy.
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What is a Combined Single Limit?
A Combined Single Limit is bodily injury and property damage insurance coverage and is normally show as a single amount of insurance coverage.
What is Commercial Use Auto Insurance?
Commercial Use of an Automobile is basically using an automobile for business purposes. A auto rating class of business-use, applies to vehicles that are primarily used for the transportation of property, other than vehicles used in retail. Autos used in retail would be a retail use classification.
What is a Commission?
A Commission is that part of an auto insurance contract which sets the rights and duties of an insurance company and an insured.
What is Comprehensive Coverage?
Comprehensive Coverage is auto insurance coverage for the physical damage type of coverage for losses by fire, vandalism, theft, or falling objects and some other perils. This is called other than collision on Personal Auto Policies. It is called Comprehensive coverage on Commercial forms.
What is a Deductible?
The Deductible is the amount of the auto claim you are responsible for paying before your insurance coverage starts paying. If you had purchased a $500 deductible on your car and had a loss of $1,000, you would be responsible for paying the first $500 and the insurance company would then pay the remaining $500.
If your loss would have been less than or equal to $500, you would be required to pay the entire amount and the insurance company would pay nothing.
What is a Defensive Driver and what are Driver Improvement Courses?
A Defensive Driver and Driver Improvement Courses are courses that relate to defensive driving training for drivers of all ages including mature driver safety courses intended for drivers age 55 and over. 
In some states, you may qualify for an car insurance discount if you're if you have taken one of these safety courses and are in the right age range.
What is Depreciation?
Depreciation is the loss or decrease in value of your vehicle or the vehicle's parts due to age or wear and tear.
What is a Covered Person?
A Covered Person is the insured person under an insurance contract.
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What is Emergency Road Service?
Emergency Road Service is an optional car insurance coverage that can be added to your car policy. It is sometimes called towing coverage and pays a flat amount toward 1) Towing 2) Battery Service 3) Changing Tires 4) Gas, Oil and Water Delivery and 5) Lockout Services.
What are Endorsements?
Endorsements, sometimes known as riders, are any changes you have made to your original insurance contract. With auto insurance coverage, an example of endorsements can include adding a car to your auto policy, a change in a deductible, or another change you may have made to your insurance policy.
What are Exclusions?
Exclusions are certain situations that are not covered or are excluded by a given auto insurance policy. A specific list of exclusions are listed in your car insurance policy.
What is a Family Automobile Policy?
A Family Auto Policy is complete package type of policy that offers protection against liability for property damage and bodily injury to other people, injury to the person insured and other passengers of the vehicle and lastly damage to the vehicle. This plans has for the most part replaced by the more updated Personal Automobile. Policy.
What is Farm Use?
Farm Use of an automobile is an auto insurance rating class for a vehicle, that is primarily used on a farm or ranch, and not used for other business purposes except ranching of farming.
What is the Financial Responsibility Law?
The Financial Responsibility Laws require the owners and (or) operators of automobiles to keep a sufficient amount of money to fully compensate those people they injure. Liability insurance coverage is most often used to fulfill these requirements.
What is a Flat Rate Cancellation?
A Flat Rate Cancellation is the termination of an insurance contract at inception which means the policy is never in force. 
What is a Fleet Policy?
A Fleet Policy is a contract of insurance that refers to a number of vehicles. A Fleet usually consists of 5 or more vehicles.
What is Full Coverage Auto Insurance?
Full Coverage Auto or Car Insurance is an auto or car insurance policy that contains complete auto insurance coverage legally required in a given state. Full coverage Auto Coverage doesn't mean or imply that the policyholder will always be fully covered.
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What is Gap Insurance?
Gap Insurance occurs when making loan or lease payments you have a total loss. At this time there may be a gap or difference between what you still owe on your car and the actual market value. The gap coverage pays for this difference.
What is Garage Keepers Insurance?
Garage Keepers Insurance auto insurance coverage for people who operate garages. They are protected from legal liability or direct damage to vehicles in the insured's custody, care, or control. This coverage may be included as a separate endorsement or as part of the garage coverage form.
What are General Damages?
General Damages are the monetary damages that are awarded to the insured person, due to a loss which cannot be measured by money directly, so is really intangible. This loss is generally known as pain and suffering. These general damages are different from special damages, given for the economic loss, such as loss of income or medical costs.
What is a Good Student Discount?
This is a discount given to Students with high scholastic grade levels. The reason for this is that there is a prooven relationship between students with good grades and safe driving.
What is a Hit and Run?
A Hit and Run is an accident where the person causing the accident does not stop to help or provide information in the injured party's behalf.
What is an ID Card?
An ID Card is a card issued by your insurance company providing evidence of liability insurance coverage and is required in most states.
What is Income Loss Coverage?
Income Loss coverage is frequently included in your auto insurance policy's Personal Injury Protection.
Income loss coverage helps protect you if you can't work because of accident-related injuries. This car insurance protection helps you recover some of your salary lost as well as other expenses you have in attempting to return to work.
What is a Lapse in Coverage?
A Lapse in Coverage occurs when an insurance policy is canceled or terminated due to not paying the premium when due or the policy void for some other reason.
What is Liability Insurance?
Liability Insurance provides coverage for accidental losses that result from injury to the body or damage to someone else's property and which the insured is legally responsible or legally liable for. Provided that your loss is covered by your insurance policy, the payment is made directly to you since you are the party that suffered the loss.
What are Limits?
Limits are the maximum paid by an insurance company for a covered loss. You can select the limits you want for some coverages, there are states that require you to buy amounts of auto insurance coverage selected by the state. In these states, you must select the limits that meet or exceed your state's auto insurance requirements.
What is Long Distance?
Long Distance is auto insurance rating class used in commercial vehicle automobile insurance for vehicles that is normally driven at a distance of 200 miles or more from its garage location.
What is Medical Payments Coverage?
Medical Payments Coverage is the part of automobile insurance, that pays for medical and funeral expense costs for bodily injuries, that occur while driving or occupying an insured vehicle.
This is true of Medical Payments Coverage, whether or not the insured's negligence is involved. Coverage is often limited to $5,000. Automobile insurance protection for a business auto, truckers or garage coverage can be added by an endorsement.
Auto insurance coverage for a personal automobile policy covers the insured, members of the same household or family and spouse, as passengers in other vehicles, and also if they are insured by a vehicle, as a pedestrian.
What is Mexican Automobile Insurance?
Mexican Auto Insurance is auto insurance for United Sates citizens who plan to drive into Mexico. Without Mexico insurance they may be subject to being detained by Mexican authorities should they have an accident. This is true since insurance policies issued by U.S. insurers fail to satisfy Mexican financial responsibility laws. This short term automobile insurance coverage or short term automobile policy can be purchased at most border crossings.
What is a Mexico Extension Endorsement?
A Mexico Extension Endorsement is an endorsement that can be added to a garage or truckers liability, or business auto policies that extends auto insurance liability coverage to vehicles that will be driven in Mexico within 25 miles of the U.S. border. This kind of insurance is not allowed in Mexico. The type of Mexico auto insurance coverage necessary, requires that a separate short-term policy be purchased from a Mexican insurer. This auto insurance coverage protects an insured for his own defense and claim settlements in Mexico, and also provides coverage in excess of a policy issued by a Mexican insurer.
What is a Motor Vehicle Record or MVR?
A Motor Vehicle Record or MVR is the driving record, including accidents and traffic violations, established and maintained by a state motor vehicle department. 
What is a Multi Car Discount?
A Multi Car Discount is a discount offered by many insurance companies for people with more than one auto insured on the same policy.
What is a MVR?
An MVR is a Motor Vehicle Record or a record of an auto driver's traffic violations and accidents.
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What is a Named Insured?
A Named Insured is when any person company or corporation that is listed by name as the person insured in the policy. Other people can also be covered by the policy definition without their names listed on the insurance policy. An example would be other drivers using or operating the insured's auto with his consent.
What is No-Fault Auto Insurance?
No-Fault Auto Insurance is where states have passed laws allowing the actual auto accident victim to collect for medical and hospital expenses directly from his or her insurance company regardless of who was at fault in the auto accident. Most of the states in the country allow the individual to sue the negligent person if the total damages exceed a certain state limit.
What is a Non-Smoker Discount?
A Non-Smoker Discount for auto insurance is a discount on the actual annual premium, and is offered by many auto insurance companies, to insureds who do not use tobacco products. For auto insurance, the reason for the discount is due to the fact that, nonsmokers are involved in fewer accidents than smokers.
What is a Personal Auto Policy?
A Personal Auto Policy is an updated version of the Family Auto Policy, with some simplified wording. This is the most common type of auto insurance policy now sold.
What is Personal Injury Protection (PIP)?
Personal Injury Protection is the name usually applied to No-Fault Benefits in the states having mandatory or optional No-Fault Auto Insurance coverage. PIP most often includes medical expense benefits, loss of work income, accidental death and final expenses, and essential services.
What is Physical Damage?
Physical Damage is damage from such perils as comprehensive, Collision, fire and theft or actual damage to the vehicle.
What is a Preferred Risk?
A Preferred Risk a risk or person which would be expected to be less of a risk than the average risk or person to make a claim.
What is a Private Passenger Auto?
A Private Passenger Auto is a car used for personal or private use only. An automobile must be owned personally by an individual and may not be used in a commercial purpose of carrying passengers for hire.
What is Property Damage Coverage?
Property Damage Coverage is when an insurance company agrees to, insure or protect an insured, against the legal liability for damages caused by an insured auto to the of another person's property.
What is a Rated Policy? 
A Rated Policy is an insurance policy issued at a higher than the Standard premium rate in order to cover the higher or additional risk. An example of rated policy may be due to traffic violations. A Rated Policy is sometimes called an extra risk policy.
What is a Reinstatement?
A Reinstatement occurs when an insurance policy that had lapsed or is no longer in-force is resumed by an insurance company.
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What is a Renewal?
A Renewal is when auto insurance coverage is continued past the original policy term period, by accepting a premium from an insured, for a new policy term period.
What is Rental Reimbursement Coverage?
Rental Reimbursement Coverage is car insurance coverage that pays for a rental car, if the insured's or policy holder's car is disabled by a loss that is covered. The rental car auto insurance coverage can be endorsed to an automobile policy.
What is a Safe Driver Plan?
A Safe Driver Plan is a a plan where points are assigned for traffic violations and certain types of accidents. Each point adds a percentage surcharge to the factor used for rating. It is similar to merit rating.
What is Salvage?
Salvage is when an insurance company recovers, by sale of property, as part of settlement of a loss, property which has been taken over by the insurance company that was originally the insured's.
What is Short Rate Cancellation?
Short Rate Cancellation is the termination or cancellation of a policy where the premium refunded to the policyholder is not exactly proportional to the time the policy has been in force due to the fixed expenses of the insurance company. The insured normally pays more for each day than if the policy had remained in force throughout the whole policy period.
What is SR-22?
SR22 is a form that has to be filed by the insurance company that states that the auto liability insurance is effective for a particular person. An SR 22 is required when insurance is required when auto insurance is given to a person who was convicted of a traffic offense or was in an accident and was unable to show financial responsibility.
What is a Standard Risk?
A Standard Risk is someone, according to the underwriting standards of an insurance company, is allowed to purchase insurance protection without paying an additional premium due to a rating or special restriction.
What is a Substandard Risk?
A Substandard Risk is a risk that does not meet the normal guidelines in an auto insurance policy for a standard risk. Insurance protection is offered by either charging a higher premium, adding a waiver, or by a special policy form. This is often done with people with a poor or bad driving history.
What is a Third Party?
A Third Party is a insured who makes a claim under a liability policy and is not one of the two parties under the insurance contract. He is not either the insured or the insurance company, or either of the two parties normally found in an insurance contract. A Third Party claim is a claim, made by the non insured person, against the policyholder of another insurance company, who ultimately pays the claim.
What is Towing and Labor Costs?
Towing and Labor Costs is an endorsement added to physical damage coverage and provides reimbursement up to a certain limit which is specified to tow your vehicle or pay on site labor costs.
What is Truckers Down Time Insurance?
Truckers Down Time Insurance is insurance that protects lost earnings for truckers. This vehicle insurance provides coverage when a tractor or trailer can't be operated due to a fire, collision, other insured peril. There is no daily limit on this insurance coverage, and is an actual loss sustained form of insurance coverage. This insurance coverage can also include payments on a financed vehicle or trailer, and even the actual cost to lease a replacement vehicle or trailer, while a damaged one is being repaired
What is Unearned Premium?
Unearned Premium is the part of the insurance premium remaining on the insurance policy term. For example if it is a 6 month insurance policy, after 3 months there will be 3 months of unearned premium.
What is Uninsured Motorist Coverage?
Uninsured Motorist Coverage is auto insurance coverage that in most states must be offered to insureds, which is auto insurance coverage that pays damages for bodily injury. These damages for bodily injury are paid to its own insured, since an uninsured motorist is legally liable, but not able to make payment. 
What is Uninsured and Under Insured Motorist Coverage?
This is the coverage that reimburses you, a family member, or a designated driver hit by an uninsured or a hit and run driver.
What is a Vehicle Identification Number (VIN)
A Vehicle Identification Number is an alpha numeric code 17 digits long that gives valuable information about the vehicle's make, model, serial number, options and year in official records.
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