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Commercial Lines — Refers to insurance for businesses, professionals and commercial establishments. Appraisal — Process that determined the value of property, or the extent of damage, usually performed by an impartial expert. Primary Insurance — Insurance that must be maintained as a condition of the most Personal Umbrella Policies. Auto Insurance — A form of insurance that covers losses for which the insured is liable as a result of owning or operating an automobile. Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee. Select Insurance Auto Home Condo.
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While it applies to losses over the dollar amount in the underlying policy, terms of coverage are sometimes broader than in the basic policy. Elimination Period — The time that must pass after filing a claim before a policyholder can collect insurance benefits. Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy. In health insurance, coinsurance is a percentage of each claim above the deductible paid by the policyholder. Arbitration — An alternative process of settling a dispute through an impartial party instead of litigation. Schedules can list specific benefits, assets, charges, credits and other features that are unique to the policy, such as Earthquake insurance. Benefits include paid hospital expenses, medical expenses, surgical expenses and income payments. Policyholder — The person or entity listed on the policy declarations page. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a casino royale online movie free victorious spiele element like whole life insurance which is invested to provide a cash value buildup. Earthquake Insurance — A regular Homeowners how to win online casino slot automaten kostenlos spielen ohne anmeldung will not include earthquake coverage, but it can be purchased as an endorsement or separate policy. Term Life Insurance — Life insurance that provides protection for a specified period of time. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element like whole life insurance which is invested to provide a cash value buildup. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Insurance ID Card — The card issued by an insurer containing basic information about the insurance policy. These policies are designed to protect the policyholder after a major disaster, when the high demand for building contractors and materials can push up the normal cost of reconstruction. Appraisal — Process that determined the value of property, or the extent of damage, usually performed by an impartial expert. They do, however, cover changes made by the tenant to the interior of the structure, such as carpeting, kitchen appliances, and built-in bookshelves. In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss.