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Insurance Terms
Thursday, 19 July 2007

Anti-Theft Devices
Devices that attempts to prevent theft. Passive anti-theft devices attempt to prevent theft by using electronic car alarms, steering wheel locks, etc. Active anti-theft devices can track and recover a vehicle and automatically contact a response center to begin the vehicle recovery process.

Comprehensive Insurance Coverage
If your insured vehicle is damaged by fire, theft, windstorm, flood, vandalism or anything other than a collision, Comprehensive coverage will pay for the damages. Comprehensive insurance coverage covers transportation and loss of use expenses when applicable.

Collision Coverage
When your insured vehicle collides with another object, Collision coverage pays for the damage to your vehicle. Certain exclusions may apply. Refer to your policy.

Deductible
A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, choosing a higher deductible will lower your premium and vice-versa.

Full Coverage
"Full coverage" is a common term that people use to describe how much auto insurance coverage they have, often implying that the policy has more than just Liability coverage.

Premium
A premium is the amount of money paid to an insurance company ,monthly or annually, in return for insurance protection.

Roadside Assistance Coverage
Roadside Assistance provides services such as towing, flat tire change, locksmith service along with other services for those who elect the coverage for an additional premium.

SR-22
An SR-22 is a required court document that services as a proof of financial responsibility for persons convicted of certain traffic violations.

Last Updated ( Thursday, 19 July 2007 )
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