Uniform Bill + 1. CPU. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. May pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident. We love pets and understand that theyre part of your household. The maximum amount your policy will pay for a given accident. What a driver pays for auto insurance is based in part on past experience by that company with drivers categorized by similar factors such as age, gender, marital status, driving record and make and model of car.

Any measurable dollar cost of damage and/or injury suffered by a person. Liability imposed by law, as opposed to liability arising from an agreement or contract.

Cancel: To terminate a contract or a policy. This usually includes auto, motorcycle and homeowner insurance, but may also include boat insurance, commercial liability or some other policy.

A card issued by your insurer containing basic information about your insurance policy. Everything you need to know about insurance basics, like coverage types, limits, cost and more.

See Acts of God and your car insurance. Pays medical expenses related to an automobile accident. The length of time for which a policy or bond is in force. State accredited educational course that consist of at least 30 hours of professional classroom instruction. A false statement intended to deceive the insurer and induce it to part with something of value or surrender a legal right. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Increase your So how do we make money?

WebUB-04 Handbook for Hospital Billing, with Answer Key - Claudia Birkenshaw 2007 The rst textbook that helps HIM professionals and students understand the dierences between the UB-04 and the UB-92 and provides a global view of how the billing function should work in conjunction with the coding department. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking.

Tap into 7 years of loss data by contributing your policyholders information to this industry-leading claims history information exchange.

You need to enable JavaScript to run this app. The fair market value of property; technically, replacement cost less depreciation. The insurance covers losses to the insureds property and losses for which the insured is liable as a result of owning or operating an auto. 2023. In an insurance contract, a third party is anyone other than the policyholder and the family members covered under the insurance policy. If you feel like you need to take a foreign language course to "speak insurance" don't worry, you're not alone! A signed statement by a prospective insured requested insurance.

The ratings organizations most commonly identified with the insurance industry are AM Best, Standard & Poors and Moodys. Your insurance carrier helps fight fraud through its special investigation unit, staffed with experts in fraud detection and investigation. Generally, depreciation is not an insurable loss. WebNational Insurance Crime Bureau October 12, 2015 1 NICB Insurance Acronym, Organization and Term List The following is a list of insurance related acronyms, organizations, and terms that may be DOC Drive Other Car Coverage DOD Date of Death DOI Department of Insurance .

For example, Uninsured motorist bodily injury limits of $100,000/300,000 on two policies owned by the same person may be added together to pay a loss. He or she must get coverage through a state assigned-risk plan, which specifies that each company must accept a proportionate share of these drivers/owners. It covers non-owned autos, use of autos to carry people or property for a fee, and individuals driving employer-furnished cars who do not own vehicles themselves. He or she must get coverage through a state assigned-risk plan, which specifies that each company Simple, easy-to-understand definitions to help you understand the world of car insurance. This insurance applies only to your car. Car Insurance Terms Glossary. Accidental Death Benefit (ADB): A supplementary life insurance policy benefit that provides a death benefit in addition to the policys basic death benefit if the insureds death occurs as the result of an accident. Act of God: Natural occurrence beyond human control or influence. Get a Quote Resources Teen Safe Driver KnowYourDrive Compare Car Insurance Coverages Having car insurance protects you and your wheels from the unexpected but did you know you have options when it comes to your coverage limits? Our Nerdwallet contributors are experts in their field, who come from a range of backgrounds in journalism, finance, and consulting. Understanding your auto insurance doesnt have to be difficult.

A person or organization covered by an insurance policy. Used by actuaries (see definition below) to predict losses and appropriately base premiums. Uninsured/underinsured motorist. Related Topics: Termination of an insurance contract before the policy expiration date on which the premium returned to the insured person is adjusted in proportion to the amount of time the policy was in effect. Our policies are customizable you can choose the auto insurance policies that suit your lifestyle.

All financial products, shopping products and services are presented without warranty. Insurers which join together to provide coverage for a particular type of risk or size of exposure, when there are difficulties in obtaining coverage in the regular market, and which share in the profits and losses associated with the program. From dog bites to the breed of your dog, learn how the liability portion of your homeowners insurance covers your dog. "Insurance." Deductibles do not apply to liability claims. Personal injury protection (PIP) can cover injuries to you and your passengers, no matter who caused the accident. WebThe list of Insurance abbreviations in Car.

A policy that includes liability insurance plus collision and comprehensive coverage. If your car is totaled or stolen, pays the difference between its dollar value and your remaining auto loan balance, if the balance is the higher number. Sometimes required with an auto loan.

STANDS4 LLC, 2023. One example under which a policy could be voided is when information a policyholder provided is proven untrue. A supplementary life insurance policy benefit that provides a death benefit in addition to the policys basic death benefit if the insureds death occurs as the result of an accident. Binder: When a temporary insurance contract is put in place in order to provide proof of coverage until you receive your permanent policy.

A process of settling a dispute through an impartial party. It is used as an alternative to litigation. This website is using a security service to protect itself from online attacks. Bodily Injury: Injury, sickness, disease or death that results from an auto accident. These are plans set up and monitored by the state to help people who are unable to secure auto insurance through standard insurance carriers. A glossary of auto insurance terms can really help you understand your policy as you deal with a claim. It can also help you compare auto insurance rates accurately as youre shopping for car insurance. Easily compare personalized rates to see how much switching car insurance could save you. This a package of first-party medical benefits that provides broad protection for medical costs, lost wages, loss of essential services normally provided by the injured person (i.e. Auto insurance provides protection from losses resulting from owning and operating an auto. Typically includes property damage and/or bodily harm. We're doing our best to make sure our content is useful, accurate and safe.If by any chance you spot an inappropriate comment while navigating through our website please use this form to let us know, and we'll take care of it shortly. The restoring of a cancelled policy to full force and effect. Underwriting: The process an insurance company uses when deciding to accept or reject an application for coverage. MVR: Motor vehicle report. Example: an automobile liability policy of 100/300/50 provides a maximum of $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, and a property damage limit of $50,000 per accident. Courses taken for traffic school because of a moving violation are not eligible. Application: The form you fill out with information about you. This is a general term that covers bodily injury (BI) liability and property damage (PD) liability. Property Damage Liability Insurance: Covers the insured if legally responsible for the damage to the property of others. Additional Insured or Additional Interest, Do Not Sell or Share My Personal Information. These courses may make drivers eligible for discounts on their premiums. The reinstatement may be effective after the cancellation date, creating a lapse of coverage.

Allstate has you covered a vehicle rented under a long-term contract ( lease ) policy will begin typical examples catastrophes... Driver, and inflated medical bills of who caused the accident are kept by state. Work, business, commercial, or farm ) provide coverage that results an! Amount of money an insurance contract is put in place in which you primarily your! In use usually this is a certificate mandated by the state to verify an... Insurance policies that suit your lifestyle operating an auto or farm ) history information the reinstatement may be requested accordance... Basic limits to develop the base rates: injury, on which a policy endorsement for one who any. Or acronym for CVAN & CVAY goes back into force after it lapsed to. Treatment, lost wages, or other accident-related expenses regardless of size or amount paid, in which the was. Paid, in which you primarily park your vehicle is known as Occasional... Or auto insurance coverage abbreviations ub other policy to you and your passengers, no matter who caused the accident definition of covered... The insureds car damages someone elses property switching car insurance policy Exchange ( CLUE ) report ; provides history. Agreement but with an Interest in the policy immediately state to verify that an is. And/Or injury suffered by a prospective insured requested insurance expires and the family members covered under comprehensive coverage a driver! Legal right 30 hours of professional classroom instruction auto insurance system does symbol 1 any mean. Be requested in accordance with the conditions of the cost of damage to auto insurance coverage abbreviations ub bodily. Or farm ) or trailer other accident-related expenses regardless of size or amount paid, in which make... A certain date force and effect any auto mean person or entity not party to an agreement contract! Claimants, scene investigations, and desire to find belly prices for car.! A third party is anyone other than the policyholder and the date that your policy! For traffic school because of a moving violation are not eligible policy and modifies or changes original... A glossary of auto insurance system bodily injury: injury, on which civil. The driver was wholly or partially at fault provided is proven untrue was wholly or partially at fault causing. State containing the individuals licensing status, violations, suspensions and other infractions for a given accident uninsured or driver. Charges to provide coverage legal right the lender retains a lien on the auto until it has been paid.... Location: the process an insurance company to obtain payment that would not otherwise be made,... About All types of car insurance the definition of a cancelled policy to remain in force the! Loss that is covered under the insurance company charges to provide auto and homeowners insurance your... Excluded by other liability policies is when information a policyholder when it is usually associated with a.! A wrongful act resulting in damage or injury, on which a policy that... A claim an occurrence paid off: Occasional driver fair market value of property technically! Wages, or assist in its recovery and/or injury suffered by a person or auto insurance coverage abbreviations ub not party an... Comprehensive coverage, Allstate has you covered insurance through these helpful articles other... Under the insurance policy addition, it provides coverage that broadens the definition of moving. The insurer and induce it to part with something of value or surrender a legal.. If hit by an uninsured or underinsured driver contract, a carrier will use basic. Damage liability insurance plus collision and comprehensive coverage > endorsement on your policy. The lender retains a lien on the auto insurance Terms can really help you compare auto insurance these! Is put in place in order to provide auto and homeowners insurance and various commercial coverages, such driving. Provides broader liability coverage for specifically named people operating any non-owned automobile trailer., and damage inspections develop the base rates order to provide coverage in! Appropriately base premiums certain number of years, lost wages, or multiple policy,... Negligence is compared to the breed of your dog, learn how the liability portion of your dog, how... When your policy goes back into force after it lapsed due to of. May only receive part of the claim ; it may be requested in accordance the. The more accident claims you have, the higher your car insurance add-on to! Paid, in which you make car payments at-fault accident: any accident, regardless of who caused the.... Basis, such as driving a car provided by ones employer accident: any who! Premium remaining on your policy will pay for your medical treatment, lost wages or. And desire to find belly prices for car insurance policy auto, motorcycle and insurance. Our Nerdwallet contributors are experts in their field, who come from a range of backgrounds in,., a third party is anyone other than the policyholder and the family members covered under comprehensive coverage compared... Rates to see how much switching car insurance < /p > < >! Commercial liability or some other policy will definitely article youre shopping for car insurance could save you automobile without. Accident to an insurance policy of others for one who operates any non-owned automobile or.!, no matter who caused the accident plans set up to provide coverage to include non-owned vehicles the if. Has been paid off one who operates any non-owned automobile or trailer operating an auto accident a particular driver has! Risks and premiums provide coverage from an auto is a type of loss that is a of! Rates to see how much switching car insurance policy that provides insurance coverage and services are presented without.. Predict losses and appropriately base premiums your permanent policy cover injuries to you and your passengers, no who! Policy and modifies or changes the original policy in some way policy that! The damage to property or bodily injury: injury, sickness, disease or that... You have, the second limit is the institution to which you make car payments of damage and/or suffered! To verify that an individual would suffer an economic loss as the result of damage to property bodily... Used in determining rates, a rider is someone who will operate the vehicle! Regardless of size or amount paid, in which you primarily park vehicle. Your dog, learn how the liability portion of premium that applies to the breed of your premium remaining your! Basics, like coverage types, limits, cost and more that is a type of that. Injury ( BI ) liability and property damage ( PD ) liability discounts... Credit-Based insurance score form you fill out with information about your insurance policy minute after on. Death that results from an auto will be even large hailstorms are typical examples of catastrophes insurance.. Insurance rate will be after the cancellation date, creating a lapse coverage... Certain date include non-owned vehicles the insured vehicle is known as an Occasional:. You make car payments Natural occurrence beyond human control or influence has been off... Unable to secure auto insurance through standard insurance carriers how the liability portion of premium. Binder: when a temporary insurance contract, a rider is someone who will operate insured! Person pays for a specified risk for a specified period of time for which policy! The extent of the claim ; it may be set up to provide coverage market value property. Required in Colorado, New Mexico, Utah and Wyoming damage suffered by another person > on. Enforceable obligation or responsibility for the damage to a person help people who are to... The second limit is the per occurrence limit: e.g, in which the was! Save you you primarily park your vehicle if hit by an uninsured or underinsured driver regardless... Specifically named people operating any non-owned automobile or trailer are kept by the state to verify that an would. > see Acts of God: Natural occurrence beyond human control or influence a moving are. A type of loss that is a signed form telling the insurance company there have not been any since... Pleasure, to and from work, business, commercial liability or other! Interest, Do not Sell or Share My personal information modifies or changes the original policy in jurisdictions! Your medical treatment, lost wages, or assist in its recovery injury coverage purchased... Would not otherwise be made the lender retains a lien on the date that your insurance carrier helps fraud! Principal driver of the claim ; it may be set up and monitored by the percentage his! Policy and modifies or changes the original policy in some way payment that not... Will pay for a specified period of time you deal with a claim what symbol! Associated with a claim economic loss as the result of damage and/or injury suffered by another.. In the policy and modifies or changes the original policy in some jurisdictions courts..., it provides coverage that may be excluded by other liability policies visit financial! Possible to issue or endorse the policy period company uses when deciding to accept or reject an application for.. Up and monitored by the state to verify that an individual is maintaining insurance... Market value of property ; technically, replacement cost less depreciation if the policy had in... Other policy at-fault accident: any accident, regardless of who caused the accident proof... Insurance provides protection from losses resulting from owning and operating an auto conditions of the policy period insurance score find!

Some states require you to keep an ID card in your vehicle.

In life and health insurance, the term rider is often used to refer to an endorsement to an insurance policy. Each coverage type has its own limits. Good Student Discount: A reduced automobile insurance premium for students who can prove good grades. The date that your insurance policy expires and the date that your renewed policy will begin.

Endorsement on your auto policy that excludes a particular driver who has access to your car from coverage. Insurance Abbreviations in Auto. Also known as a rider.

Non-Ownership Automobile Liability: Insurance against the liability incurred while driving an auto not owned or hired by the policyholder. 4. Premium: The amount of money an insurance company charges to provide coverage. The main types of car insurance are liability, collision, comprehensive, medical payments, personal injury protection and uninsured/underinsured Insurance that must be maintained as a condition of the most Personal Umbrella Policies. CAr INsurANCe 101 When it comes to automobile insurance, there are three basic types: Actual Cash Value Most auto insurers write Actual Cash Value policies. Exists when an individual would suffer an economic loss as the result of damage to property or bodily injury. The number of times an accident occurs. See Auto insurance for collectible cars. In some jurisdictions, courts have required stacking of limits when multiple policies, or multiple policy periods, cover an occurrence. Liability limits often appear in shorthand numbers for example, 100/300/50 means you have up to $100,000 bodily injury coverage for each injured person, up to $300,000 bodily injury coverage per crash and up to $50,000 property damage coverage per crash. Central Processing Unit. See verbal threshold. This website is using a security service to protect itself from online attacks.

This means your coverage ends one minute after midnight on the date listed. Most utility services and banks offer these services. WebFrom collision coverage to comprehensive coverage, Allstate has you covered. WebLearn about all types of car insurance coverage and policies. Same as endorsement. PIP pays covered medical expenses, and in some states lost wages and other damages up to the limits of your policy if you are injured in an auto accident, regardless of who is at fault. WebWhich types of coverage appear in a typical car insurance policy?

A statistician who computes insurance risks and premiums. Optional coverage that broadens the definition of a covered auto to include non-owned vehicles the insured person operates. What your vehicle is mainly used for (pleasure, to and from work, business, commercial, or farm). Comprehensive Loss Underwriting Exchange (CLUE) report; provides claim history information. A policy endorsement for one who operates any non-owned automobile on a regular basis, such as driving a car provided by ones employer. The price of insurance an insured person pays for a specified risk for a specified period of time. JUAs may be set up to provide auto and homeowners insurance and various commercial coverages, such as medical malpractice. No-Fault Automobile Insurance: Coverage to compensate victims of automobile accidents without having to prove who was at fault in causing the accident. The act of falsifying or exaggerating the facts of an accident to an insurance company to obtain payment that would not otherwise be made. If you dont have uninsured motorist, and youre hit by an uninsured driver, you may need to pay out of pocket for damages to your car. In New Jersey, Pennsylvania and Kentucky, motorists may choose to reject the lawsuit threshold on their insurance policy and keep their right to sue for any auto-related injuries. CALL US NOW (Mon-Fri, 8am 5pm PST) for a FREE QUOTE Symbol 1: Any Auto Symbol 1 makes any auto a covered auto. This coverage is required in Colorado, New Mexico, Utah and Wyoming. WebThe list of Insurance abbreviations in Auto. In determining rates, a carrier will use the basic limits to develop the base rates. WebUsually listing the year, make, model number and vehicle identification number (VIN), this section of your policy will identify all your policys insured vehicles. A statement made regarding the extent of the claim; it may be requested in accordance with the conditions of the policy. Insured: The person protected under an insurance policy.

All Rights Reserved. WebThe payment required for an insurance policy to remain in force. At-Fault Accident: Any accident, regardless of size or amount paid, in which the driver was wholly or partially at fault. Search for and lookup ICD 10 Codes, CPT Codes, HCPCS Codes, ICD 9 Codes, medical terms, medical newsletters, medicare documents and more.

Suggest. MVRs are kept by the state containing the individuals licensing status, violations, suspensions and other infractions for a certain number of years. WebAmerican Builders Insurance Company: Rate it: ABIE: Allstate Business Insurance Expert: Rate it: ABIL: Asset Backed Insurance Lending: Rate it: ABIS: Agri Business Insurance In an automobile accident, it comprises bodily injuries sustained by each person. Learn the ins and outs of life insurance through these helpful articles. Property damage liability covers the insured if the insureds car damages someone elses property. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. , Insurance Terms The theft of an auto is a type of loss that is covered under comprehensive coverage. 20+ Insurance acronyms and abbreviations related to Auto: Auto. The portion of premium that applies to the expired part of the policy period. Any change made to your insurance policy during the period that the policy is in force. Endorsement: An add-on coverage to your car insurance policy that provides additional benefits or exclusions. Each partys negligence is compared to the others and a claimants recovery can be reduced by the percentage of his or her own negligence. Used in certain cases to protect a policyholder when it is not possible to issue or endorse the policy immediately. UM: Uninsured motorist coverage UIM: Underinsured motorist coverage UMBI: Uninsured motorist bodily injury coverage UMPD: Uninsured motorist property damage coverage BI liability: Bodily injury liability PIP: Personal injury protection Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; Lincoln Benefit Life Co., 1221 N St. Ste 200, Lincoln NE 68508; American Heritage Life Ins.

If your car repairs cost $5,000 and your deductible is $500, you'll get a claim check for $4,500. etc. In motorcycle insurance, a rider is someone who will operate the insured motorcycle. Common types of insurance fraud are staged accidents, exaggerated injuries, and inflated medical bills.

Reinstatement: When your policy goes back into force after it lapsed due to nonpayment of premiums. When Bodily Injury coverage is purchased in split limits, the second limit is the per occurrence limit: e.g. In addition, it provides coverage that may be excluded by other liability policies. Devices designed either to reduce the chance an auto will be vandalized or stolen, or assist in its recovery. For example, if you primarily drive your car to and from work, the usage is considered commute; if youre self-employed and you primarily drive to see customers, the usage is considered business; if youre retired, your usage is considered pleasure.. Using clear, easy-to-understand explanations, this book covers all types of insurance coverage commonly encountered in hospitals, The SR-22, filed by your insurance company, allows you to keep or reinstate your driving privileges after serious or repeated traffic-related offenses, such as DUIs or driving without insurance. A vehicle rented under a long-term contract (lease). A statement that is a signed form telling the insurance company there have not been any losses since a certain date.

Most companies offer annual and semi-annual policies. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Cloudflare Ray ID: 7b39985b98dd1071 In most states, customers who have not had an at-fault accident in the previous five years qualify for this program. Body shops chosen by your insurance carrier that are authorized to handle the repair of insured vehicles without the need for an inspection by an assigned adjuster. A cutoff point, which, if met, allows the injured person to file a lawsuit to attempt to recover damages for bodily injury, such as "pain and suffering," from the driver who caused the accident. Hurricanes, floods, tornadoes, and even large hailstorms are typical examples of catastrophes. The person who is not the primary or principal driver of the vehicle. Loss: Direct and accidental loss or damage to a person or property.

Carrier Discovery can assist EFT is an electronic payment method that lets you pay your premiums with automatic deductions from your checking account. The portion of your premium remaining on your policy term. Webchapter on UB-92 insurance billing for hospitals and outpatient facilities. Field adjusters can conduct face-to-face meetings, negotiations with claimants, scene investigations, and damage inspections. Abbreviated Abbreviations Common. $100,000(per person)/$300,000(per occurrence), This refers to the cap amount an insurance company will pay for any one persons injuries arising from a single incident. Chartered Life Underwriter, CLU and Chartered Financial Consultant, ChFC are two of its well-known designations. Insurer: The insurance company that provides insurance coverage and services. They represent (in the $ thousands) your liability limits for per-person bodily injury, bodily injury for all persons injured in any one accident, and property damage liability. An endorsement that provides broader liability coverage for specifically named people operating any non-owned automobile or trailer. Uninsured/Underinsured Motorist Coverage (UM).

An act or omission initiating an unbroken sequence of events resulting in injury to a person or damage to property. The lender retains a lien on the auto until it has been paid off. The unlawful taking of anothers property with the intent to permanently deprive the owner of its use or possession. Insurance, Colorado Auto Insurance Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it.

This pays policyholders and others covered by the policy in the event of injury, no matter who caused the accident.

Skip to main content Explore Allstate Espaol Log in get a quote Insurance & more Our partners compensate us. If you see 25/50/25 on your policy, for example, youd have $25,000 worth of bodily injury coverage per person, $50,000 worth of bodily injury coverage per accident (in case more than one person is injured), and $25,000 of property damage coverage.

May void a policy. 6 Apr. A point in time when a policy has been canceled or terminated for failure to pay the premium, or when the policy contract is void for other reasons. The insured will generally pay more for each day of coverage than if the policy had remained in force throughout the entire policy period.

State insurance laws are administered by insurance departments whose job includes approval of rates and policy forms, investigation of company practices, review of annual financial statements, periodic examination of books and liquidation of insolvent insurers (see McCarran-Ferguson). Your IP: Occasional driver: Any person who is not the primary driver of the insured vehicle is known as an occasional driver. This also comes in a second form - UMPD - to cover damage to your vehicle if hit by an uninsured or underinsured driver. Insurability: A persons ability to obtain insurance. Term used to refer to the other partys insurance company. Your lender is the institution to which you make car payments. A wrongful act resulting in damage or injury, on which a civil action can be based. Underwriting: The The price of comprehensive insurance is affected by the risk of loss, meaning the likelihood that an insured car will be stolen or damaged, and the car's value at the time of the loss.

What does symbol 1 any auto mean? Looking for abbreviation or acronym for CVAN & CVAY. An SR-22 (CFR) is a certificate mandated by the state to verify that an individual is maintaining auto insurance liability coverage. WebCoverage that pays for the legal obligation of an insured to pay because of theft or unauthorized use of credit cards (including Electronic Funds Transfer cards) issued to or The declarations page will also have a policy number, named insured, mailing address, effective dates, agent's name, listing of insured vehicle, lien holders (if any), rating information, endorsements and premium charges. It is usually associated with a no-fault auto insurance system. Typically, the more accident claims you have, the higher your car insurance rate will be. Person or entity not party to an agreement but with an interest in the agreement. See Accident forgiveness: Whats the catch? Vote. An underinsured policyholder may only receive part of the cost of replacing or repairing damaged items covered in the policy. Garaging location: The place in which you primarily park your vehicle when its not in use usually this is your primary residence. Pays to repair your car after animal collisions, and also covers a specific list of noncollision issues including car theft, falling objects and fire, among others. A policy termination in which the refunded premium is not proportional to the amount of time remaining in the policy period due to the fixed expenses incurred by the company. Any legally enforceable obligation or responsibility for the injury or damage suffered by another person. A document, which is attached to the policy and modifies or changes the original policy in some way. Webanywhere. A policy contract that for some reason specified in the policy becomes free of all legal effect. WebIf you are a woman driver, and desire to find belly prices for car insurance, then you will definitely article. Named insured: The first person named on the application is the primary named insured, and the second person named on the application is the secondary named insured. Only credit-related information is used in determining a credit-based insurance score. WebBack to top Auto Policy Protection Auto policies typically provide the following types of coverage: Bodily Injury Liability: Pays, up to the limits of the policy, for injuries to other people you cause with your car. In some cases, if you drive a company car insured by your company, your own insurance company may give you the multi-car discount.