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No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance

Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision.

Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued.

Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer.

Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company.

At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses.

Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state.

Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy.

Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered.

Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses.

Broker - This is a licensed individual who on your behalf sells and services various insurance policies.

Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy.

Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly.

Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault.

Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company.

Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc.

Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy.

Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy.

Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage.

Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile.

Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services.

Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy.

Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy.

First Party - This is the policyholder, the insured in an insurance policy.

Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed.

High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage.

Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident.

Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident.

Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state.

Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses.

Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP.

Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period.

No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC..

Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage.

Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property.

Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage.

Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live.

Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company.

Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned.

Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident.

Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market.

Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement.

Second Party - this is the actual insurance company in the auto insurance policy.

Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault.

Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence.

Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss.

Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs.

Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section.

Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage.

Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title.

Article Source: https://EzineArticles.com/expert/Charlotte_Gilbert/1018571



Article Source: http://EzineArticles.com/6391982
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Compare Cheap Insurance Quotes - Save Time and Money by Comparing Cheap Insurance Quotes

How does your decision to compare cheap insurance quotes on the internet help you save precious time and money? The insurance market has become so competitive that it is impossible to identify a single insurance company as the best one around. There are many variable factors including the type of insurance that one wants, income and lifestyle of the individual, the asset that one wants to insure and the amount of premium that one is prepared to pay. In such a scenario, one cannot blame an individual for opting to compare cheap insurance quotes instead of entering the confusing world of insurance analysis.

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How do you save money when you compare cheap insurance quotes? If you opt for quotes comparison, chances are very high that you will quickly identify the cheapest and most beneficial insurance policy for your life, car, home or any other asset. You will get a clear tabular analysis which will tell you how much one has to pay for each and every policy under consideration. If you do not compare cheap insurance quotes, you will have to prepare a comparative statement manually. This is next to impossible considering the fact that the average individual is rarely, if ever, conversant with how insurance policies work.

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It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote, Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.

What to Look Out For in the Best Forex Online Trading Platform

  1. What to Look Out For in the Best Forex Online Trading Platform
  2. What do you need to look out for in the best Forex online trading platform? Customisability in all aspects. A platform should take into account that each investor has his or her own methods and mechanics, and that should be able to be translated directly into the mainframe of the trading platform. Too often investors get stuck with rigid programmes that do not have the flexibility needed to adapt to the character of the investor. While market psychology is very important in all respects, individual investor psychology is also one of the most important things and when one invests, one has to be comfortable with the platform that they are using.

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Another important thing is ease of use. It is appreciated that there has been a lot of mathematics and technology put into the software programme but it should be forced into the investor as a matrix in which he will be using to interface with the Forex market. The platform has to be easy to understand and easy to use so much so that even the casual investor can understand its mechanisms and start to use it right away. Investing already is difficult and investors and prospectors of a market commodity should have to be wrestling with steep learning curves when it comes to working out their trading platform. In every sense of the word, trading should be easy to spark - there are so many other aspects of the trade that need learning and practice, and the platform should not be one of them.

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The best platforms out there have a lot of mathematics behind it, and this is because those who created the programme understood that currency and currency behaviour is ruled by algebraic equations in an economic environment. A good Forex trading platform should be able to crunch a whole host of numbers and give you the latest price feeds. A good platform also is able to give you tips and hints, as well as warnings when it comes to you making the wrong decisions. Just imagine it as your electronic broker - who takes the place of your real life broker when you are investing from home or even from your office. While your broker has to accommodate hundreds of investors, a platform should be the reliable tool you need to guide you the right way.

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One the last few things about a Forex trading platform is that it should be fast - being able to match the speed of the market's liquidity. Order fills, broker communication and currency purchasing options should be done within a few clicks of the mouse and this brings me to another point that most people overlook. Support from the company who sold you or provided you with the platform. There should be an end to end communication and technical support just in case anything goes wrong and it should be clearly delineated within the first few moments of you singing the agreement or filling out a purchase order. Recognise the features that separate the mediocre from the outstanding Forex online trading platform.

Online Masters Degree Programs - What You Should Know

For those who are considering attaining their masters degree, but work full time, have a family to take care of, or are a bit older and do not want to take the traditional college setting, the choice to go get a masters via online masters degree programs is one option to consider. Depending on the type of masters program you are trying to get your degree in, there is several accredited online degree seeking programs for you to consider. From an MBA, to masters in accounting, to getting your degree in nursing or the sciences; no matter what online masters degree programs you wish to enroll in, there are many online options to choose from.

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The most important thing to consider when choosing an online masters program is to find a university which is accredited in the type of degree option you are after. Visiting various online sites, researching several institutions, and gathering as much information as possible as to the masters program you wish to enroll in, is the best way to ensure you do choose the right program, and that you are going to receive your masters from a program that has been accredited in the particular field of study you are looking to go in to.

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For those who have limited time, and have other obligations and priorities in life, you will also find that the online masters degree programs option is one to consider rather than the traditional college style set up. Not only will you be able to continue with your job full time, taking care of the kids, and having your family life, but you are also going to be able to further your career with the online option. Due to the fact that there are a wide range of class options, from nights and weekends, to the regular hours during the week, all students, no matter how hectic their life might be, can complete the masters program when they choose the right online university.

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The time requirements are also up to each student who enrolls in different online masters degree programs. Whether you choose to go full or part time, and depending on whether you want to do an accelerated program, or something that is going to take the full four years to complete, there are different course loads and scheduling options to consider when you are a student in an online masters degree seeking program as well. So, no matter how quickly you hope to finish, or how slowly you choose to go, there are different options to turn to for those who are considering the online route.

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Tips On How To Get Your Bad Credit Personal Loan Application Approved

In current times, the demand for bad credit personal loans has been on the rise. This can be attributed to the fact that the economy has not been very good. This coupled with the fact that commodity prices have been on the rise has led to most people having a bad credit history, which effectively locks them out of getting loans, If you are in such a position, you should not despair. Even if you have a bad credit history, you can still apply for and get a loan. There are certain loans which are specifically meant for such a demographic, and it would be a good idea to make use of them when you need to borrow money.

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A good example of a loan that you can take when you have a bad credit history is a payday advance. This is a kind of short term loan which is often paid within a month. As the name suggests, this kind of loan is often paid back when one receives his or her pay check at the end of the month, One good thing about this kind of loan is that it is very easy to apply for one. If you need it, all you have to do is find a website run by one of the lenders. For instance, if you live in the United States you can simply use Google to search for payday advance lenders who have online sites. You can then fill out the form and then wait for the money to be deposited in your account.

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When you apply for such loans, there are certain things that you need to do so as to increase the chances of getting approved. For instance, you need to know exactly what kind of documentation you need for the loan. For instance most payday advance dealers will require that you have proof of income, such as your pay slips for the past few months, In addition to that, you may also need to provide details of your bank account. Most lenders will deposit the money in your account after approval, especially when you are applying online. Also, most of them will automatically deduct the amount you are to repay at the end of the month from your account, making it more convenient to make payments.

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There are many people who are opponents of bad credit loans due to the fact that they seem to offer high interest rates. For instance, many payday advance lenders will charge a nominal fee of around $15 for each $100 one borrows. This may seem like a very high amount, but the fact of the matter is that they do this since they expose themselves to increased risk, In addition to that, the fact that such loans are often of very small amounts and are paid within a very short time means that the interest never accumulates to very large amounts, as would typical bank loans.When all is said and done, getting bad credit personal loans is not as hard as one might think. There are many companies which offer these facilities, and all one has to do is find one that suits them. By following the guide above, you can do this with relatively little trouble.

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