Simply, login to your auto policy to manage your umbrella policy. For Generali Global Assistance, Inc. Assurant flood policyholders can call All other policyholders can call Our experienced agents can help you with any paperwork and to manage your policy. Call us if you have any questions about this valuable coverage.
Call us at for any changes you need to make to your policy. Our licensed specialists will be happy to assist you. You can make a payment or view your policy online anytime. From the U. Access your policy online to pay a bill, make a change, or just get some information. If your policy is with Jewelers Mutual Insurance Group, log in or call For all other policies, call or log in to your current Homeowners , Renters , or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options.
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Actual Cash Value The fair market value of property; technically, replacement cost less depreciation. Actuary A statistician who computes insurance risks and premiums.
Actuaries keep GEICO profitable and financially stable by setting prices, assessing trends, and determining how much to hold in reserve to pay claims. Adverse Carrier Term used to refer to the other party's insurance company. Agent An individual who acts as a representative for the company and sells insurance, usually on a commission basis. This individual could be an 'exclusive' or 'non-exclusive' agent. Agreed Price The price or cost of repairs agreed to by the AD auto damage adjuster or independent appraiser and the body shop representative.
Amendment A change to the basic policy contract. An amendment alters the policy; an endorsement adds to it. Anti-lock Braking System ABS A computer-controlled high pressure system that assists the vehicle's normal braking system. ABS allows all wheels to slow at the same rate, thereby preventing loss of control. Anti-Theft Device A device that deters auto theft. Autos equipped with these devices may entitle you to a discount on your insurance premiums.
Appraisal Process that determines the value of property, or the extent of damage, usually performed by an impartial expert. Arbitration A process of settling a dispute through an impartial party. It is used as an alternative to litigation. Assured Means the same as an insured , policyholder , or someone who has an insurance policy.
At-Fault The party that is legally liable for the damages in an accident. Auto Damage AD Division of the claims department that handles auto claims. Auto Damage Adjuster The auto damage adjuster is responsible for writing the repair estimate for your vehicle. This adjuster will also answer your questions about the repair process, your rental vehicle , or your total loss settlement. Auto Insurance Auto Insurance provides protection from losses resulting from owning and operating an auto.
The insurance covers losses to the insured's property and losses for which the insured is liable as a result of owning or operating an auto. It allows you to complete your vehicle's repair process at one location. Shop Representatives are on site to facilitate the repair process. Rental vehicle arrangements are available on-site through Enterprise Rent-A-Car.
All work is guaranteed for as long as you own the vehicle. Auto Theft The theft of an auto is a type of loss that is covered under comprehensive coverage.
Other companies in the Berkshire Hathaway group are listed at the Berkshire-Hathaway website. Binder A temporary agreement declaring that the policy is in effect. Used in certain cases to protect a policyholder when it is not possible to issue or endorse the policy immediately. Bodily Injury An injury sustained by a person. Bodily Injury Liability Coverage Pays damages for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
This coverage is subject to the terms, limits and conditions of your policy contract. Cancellation Termination of an insurance contract before the end of the policy period, by the insured or insurer. Carrier The insurance company or insurer. Catastrophe A disaster affecting a specific geographic area. Catastrophes often cause injury or even death; most result in extensive property damage. Hurricanes, floods, tornadoes, and even large hailstorms are typical examples of catastrophes.freedruteahen.tk
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Certificate of Satisfaction A form signed by the insured when he or she takes delivery of the car from the repairer. It certifies that he or she is satisfied with the vehicle operations, appearance, and visible quality of the repairs. Claim Any request or demand for payment under the terms of the insurance policy. Claimant Individual or entity presenting a claim. Claim Examiner A person responsible for investigating and settling a claim.
Collision Coverage Pays for damage to an insured vehicle when it hits or is hit by another car or object, or if the car overturns. Comparative Negligence A doctrine of law that, in some states, may enable claimants to recover a portion of their damages even when they are partially at fault, or negligent.
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Each party's negligence is compared to the other's and a claimant's recovery can be reduced by the percentage of his or her own negligence. Competitive Auto Repair Parts Parts made by a company other than the manufacturer of the auto. All parts we authorize meet or exceed the quality of the manufacturer's parts, but cost less. GEICO guarantees these parts for as long as you own the car. Competitive Estimate A term used when an insurance company requests that you submit multiple repair estimates for consideration.
Comprehensive Physical Damage Coverage Pays for damage to your car from theft, vandalism, flood, fire or other covered perils. Condition The portion of the insurance contract which outlines the duties and responsibilities of both the insured and the insurance company.
Condo Insurance A type of homeowners insurance that meets the special needs of condominium owners. Contributory Negligence A doctrine of law that, in some states, may prevent claimants from recovering any portion of their damages if they are even partially at fault, or negligent. Coverage Protection and benefits provided in an insurance contract. Customized Vehicle A vehicle that has been altered or has equipment or accessories not typically found in a personal vehicle. Damage Loss or harm to a person or property. Damages Money that one party becomes legally obligated to pay to another party.
Declarations The part of your policy that includes your name and address; the property that is being insured, its location and description; the policy period; the amount of insurance coverage and the applicable premiums.
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Deductible The portion of a claim you pay out of pocket. Choosing a higher deductible will lower your insurance premiums. Defensive Driver Discount Certain drivers usually over age 50 who have voluntarily taken a defensive driving course may qualify for this discount on their auto insurance premiums. Generally, depreciation is not an insurable loss. Discount A reduction in your premium if you or your car meet certain conditions that are likely to reduce the insurer's losses or expenses. For example, auto insurance discounts are given for cars with auto theft devices and for drivers and passengers who use seat belts.
Driver Training Discount A discount for people who have taken an approved driver training course. This discount is not available in all states or for all individuals. Electronic Funds Transfer EFT EFT is an electronic payment method that lets you pay your premiums with automatic deductions from your checking account. Emergency Road Service Coverage Protection for problems that are not typically handled by your auto insurance , such as: being locked out of your car towing not related to an accident having a dead battery re-charged inflating a flat tire filling an empty gas tank.
Endorsement An addition to the basic policy contract. An endorsement adds to the policy contract; an amendment alters it. Estimate An assessment of the cost to repair your damaged property. Exclusion Restriction in your insurance policy that limits and may exclude coverage for certain perils, persons, property, or locations. Expiration Date This date, found on your declarations page, indicates when your policy coverage runs out.
Your renewal policy will start on this date. Field Adjuster An insurance adjuster who works primarily outside of an office and often meets personally with the public.
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Field adjusters can conduct face-to-face meetings, negotiations with claimants, scene investigations , and damage inspections. Financed Car A vehicle financed by a loan. The lender retains a lien on the auto until it has been paid off. First Party Term used to refer to an insured. First Party Claims A claim for damage, loss or injury made by an insured. Forms Two types of forms are important in insurance: 1. Gap Insurance An automobile insurance option that comes into play when your vehicle is stolen or totaled. Gap insurance covers the "gap" or difference, if any, between your car's actual cash value and what you still owe on it.