Basic Terms
What is a deductible?
The amount you pay out of pocket before your insurance starts to pay.
What is Liability Coverage?
Type of Coverage that pays for injuries and damages you cause to others.
What is your safety and the safety of others?
After an accident, you should make sure this is safe before anything else.
What is a driving record?
an official document that details a driver's history, including accidents, traffic violations, and license suspensions or revocations. Having a clean one of these can help lower your premium
Who is an insurer?
The person or company that provides the insurance policy.
What is Comprehensive Coverage?
Type of Coverage that pays for damages to your car caused my theft, fire, or vandalism.
what is Insurance and Contact information?
insurance contact information includes the phone number, address, and website for customer service, typically found on the back of your insurance card. This information is used to ask questions about your benefits, file claims, or find in-network providers. You typically need to exchange this information with the other driver after a crash.
What is a multi-policy discount?
a discount you receive from an insurance company for having two or more insurance policies with them, such as auto and home insurance. This also includes bundling multiple vehicles onto a single car insurance policy.
What is a premium?
The regular payment you make to keep your insurance active.
What is Collision Coverage?
This Coverage helps pay for repairs after a crash, regardless of who is at fault.
Photos and Witness Statements are examples of this type of evidence.
What is an insurance card?
A document that serves as proof that your vehicle is insured.
What is Uninsured Coverage?
Type of Coverage that helps if you are hit by a driver with no insurance.
What is a denial or delay?
Reporting an accident too late might cause this issue with your claim.
What does it mean to file a claim?
To request payment for damages under your insurance policy.
What is Personal Injury Protection Coverage?
Type of Coverage that pays for your own medical expenses regardless of fault.
What is investigate and estimate damages?
An insurance adjuster's job is to do this.