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Educate youself on the most
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  • Full Coverage
  • Liability Insurance
  • High Risk Insurance
  • PLPD

Insurance Glossary

Anti-lock brakes: Safety feature on a car that prevents the wheels from locking up when hitting the brakes.

Claim: A request for reimbursement from the auto insurance company for damages or injury caused by an accident.

Full Coverage: Also known as physical damage coverage, and consists of comprehensive and collision coverage. Full coverage auto insurance provides coverage for damages to your car in an accident or if your car is stolen.

Lapse in Coverage: A period where your car is not insured. Normally occurs when a driver does not pay their premium.

Limits: Maximum amount of coverage that your auto insurance company will provide. For example, if you have $20,000 in personal injury coverage, you will be responsible for paying any dollar amount over that amount. Your limits are stated in your auto insurance policy.

Premium: Total cost of your auto insurance for a period of 6 months or a year.

Rental Car Reimbursement: Provides reimbursement for rental car use when the policyholder's vehicle is in the shop being repaired after an accident.

SR-22: A form that the insurance company files with the state that provides proof that a driver has the state required minimum liability insurance coverage. Also known as proof of 'financial responsibility', and is usually required for drivers that are convicted of a DUI or another major traffic violation.

The Insured: The person covered by an insurance policy. This person or persons is usually named in the auto insurance contract.