Auto Coverage
After a car accident, Sarah realizes the other driver doesn't have insurance. What type of coverage will pay for the damages to her car?
What is Uninsured Motorist?
A fire breaks out in Tom's kitchen and damages his stove and cabinets. What type of coverage will pay for the repairs or replacement of his kitchen?
What is Cov A Dwelling?
Janet tells you that she commutes 2 mi to work and bikes around town for errands. What discount would you recommend to reward Janet for low mileage driving?
What is Telematics?
The Party (or Parties) covered by an insurance policy
What is Insured
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What is Progressive?
After a car accident, John and his passengers are injured. What type of coverage will provide protection for their medical expenses?
What is PIP?
While hosting a party, Amy's guests slip and fall on her property. What type of coverage will provide protection if her guests take legal action?
What is Personal Liability?
Billy's spouse was killed in an auto accident. She did not have life insurance. After her passing, his auto carrier was able to pay for her funeral thanks to what auto endorsement?
What is AD&D?
a request made by the insured for insurer remittance of payment due to loss incurred and covered under the policy agreement.
What is a claim?
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What is Lemonade?
During a natural disaster, Lisa's car is stolen. What type of coverage will pay for the replacement of her vehicle?
What is Comprehensive?
During a trip, Sarah's luggage is stolen. What type of coverage will provide protection to get her luggage replaced?
What is personal property?
Clark just had new plumbing put in his house and is concerned about his dog digging up the new pipes in the yard. What endorsement would you recommend?
What is Utility Line/Service Line coverage?
risk of possible loss.
What is exposure?
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What is Germania?
In a car accident, neither driver is found to be at fault. What type of coverage will pay for the damages to both vehicles?
What is Collision?
A natural disaster makes Maria's home uninhabitable. What type of coverage will pay for her lodging and necessities while she temporarily lives elsewhere?
What is Loss of Use/Additional Living Expense?
Mary is interested in a quote but pays in full upon her renewal, which is a month from now. What discount would apply if we are quoting for her renewal date?
Uncertainty concerning the possibility of loss by a peril for which insurance is pursued.
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What is Neptune?
During a car accident, Jack damages a building. What type of coverage will pay for the damages to the building?
What is Liability Property Damage?
Ashley has a tool shed in her backyard that gets destroyed by lightning in a storm. Which coverage would she use to determine how much she can claim for the shed?
What is Other structures?
Warren is getting his first car after years of having bad credit. When he tells you the interest rate for the loan, it sounds like he will never pay it off. What endorsement would you recommend in case of a total loss?
What is Loan/Lease Gap
repayment value for indemnification due to loss or damage of property; in most cases it is replacement cost minus depreciation
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What is Branch?