The state of the vehicle before the accident, including damage not related to the accident, mileage, options, and other factors.

 State accredited training course that consists of time spent behind-the-wheel with professional instruction.

 Term used to refer to the other party's insurance company.

 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 r [..]

 A sudden, fortuitous event or an unexpected, unforeseen event, not under the control of an insured and resulting in a loss. Often used to refer to a collision or insurance event. See What to do after [..]

 In most states, customers who have not had an at-fault accident in the previous five years qualify for this program. Accident forgiveness means that some insurance carriers won't add a surcharge [..]

 The number of times an accident occurs. Used by actuaries (see definition below) to predict losses and appropriately base premiums.

 A supplementary life insurance policy benefit that provides a death benefit in addition to the policy’s basic death benefit if the insured’s death occurs as the result of an accident.

 Natural occurrence beyond human control or influence. Such acts of nature include hurricanes, earthquakes, and floods. See Acts of God and your car insurance

 The fair market value of property; technically, replacement cost less depreciation.