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Definitions (31)
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actual cash value
The value of your vehicle. This is what’s used to decide if your car is worth repairing or will be scrapped as a total loss. It’s based on the cost to replace your vehicle, minus depreciation.
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adjuster
The person who investigates incidents and settles insurance claims.
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aftermarket parts
Parts made by someone other than the original manufacturer.
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anti-theft device
Devices used to prevent car theft. They can range from steering wheel locks and car alarms to sophisticated electronic systems that can track, monitor, and even shut down a vehicle. Having an anti-theft device can significantly reduce your insurance rates.
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auto liability
This is what covers the other person’s damages
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bodily injury
Physical harm to a person.
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bodily injury liability coverage
This pays for other people’s injuries when you (or the person driving your car) is at fault in an accident.
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collision insurance
This type of insurance covers damage to your vehicle that results from a traffic accident.
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comprehensive insurance
In this case, comprehensive doesn't mean "everything." It's more like "everything but." It won't cover a standard issue traffic accident, but if your car is damaged in some way other than a collision, like lightning, fire, theft, or a roving band of soccer hooligans, then you'll li [..]
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declarations page/dec page
The front page(s) of your policy packet. It has all of the necessary info, like your name, the length of your policy, coverage limits, and other key details.
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