This is needed when a vehicle previously had liability only coverage and now wants full coverage
What is a photo inspection
100
Your medical coverage for injuries you or others suffer in an auto accident
What is PIP (Personal Injury Protection)
100
This is the standard deductible for PIP
What is $250
100
This person will always be declined because they are a resident in the household who doesn't currently posses a driver's license , but is eligible to obtain one
What is a potential inexperienced operator
100
A person with 36 months driving experience, no AF accidents or violations points (after forgiveness), and with at least comprehensive coverage
What is Tier 1
200
The money above and beyond all predicted losses and expenses
What is Surplus
200
Pays for your PD or BI if you are in an auto accident caused by a driver who is insured, but who has less coverage than your underinsured motorist coverage
What is Underinsured Motorist Coverage
200
This is the standard deductible for UM/UIM
What is $500
200
The number of accidents allowed per person in a household
What is 1
200
A person with 36 months driving experience, 1 AF accident, and no violation points (after forgiveness)
What is Tier 4
300
A group of risks that decide to provide insurance to each other
What is a Reciprocal Exchange
300
You retain the right to sue the person who caused the accident for pain and suffering for any injury
What is Zero Threshold
300
This is the standard deductible for Comprehensive and Collision
What is $750
300
DUI, reckless driving, vehicular homicide, leaving the scene of an accident with personal injury, and involved in a fatal accident
What is major violations
300
A person with 36 months driving experience, 1 AF accident, and maximum 2 violation points (after forgiveness)
What is Tier JC
400
Attorney-in-Fact
What is the company that manages the affairs of the Reciprocal Exchange?
400
This pays for necessary services that you normally do yourself, such as cleaning your house
What is Essential Services
400
This is the lowest deductible for Comp & Collision coverage
What is $100
400
The amount you will pay for a 30 day lapse for non-payment
What is 50-100%
400
A person with 36 months driving experience, no AF accidents or violation points (after forgiveness), and with a comp & collision deductible of at least $850
What is Tier P1
500
A legal document that appoints RMC to manage the affairs of the exchange on behalf of the insured
What is Power of Attorney
500
This policy provides a number of different coverage options and the opportunity to buy additional protection
What is a Standard Policy
500
This is the highest deductible for Comp & Collision coverage
What is $2,000
500
You will refer to this person to obtain a doctor's note for a person with a disability on a policy
What is an underwriting specialist
500
A person with less than 36 months driving experience, no AF accidents, and 1 violation point (after forgiveness)