Understanding Insurance Terms

ballbet体育下载缇格保险公司知道保险行业使用的语言可能会令人困惑. ballbet体育下载希望确保您清楚地了解您的选择,并准确地知道您正在支付什么.

Here are some terms we use for types of coverage. There are also a variety of other terms that might be unfamiliar to you. ballbet体育下载希望这个词汇表有助于使保险世界更容易理解.

A

Additional Living Expenses

If you can’t live in your home because of a covered loss, 你的保险公司可能会支付必要的生活费用增加,而损害评估和你的家修理或重建.

B

Broad Form 责任 Coverage

帮助保护您免受与伤害或财产损害有关的费用,您或您的船在事故中造成. 一些保单还包括某些意外燃油泄漏责任和残骸清除.

C

C.L.U.E.

C.L.U.E. (Comprehensive Loss Underwriting Exchange)是由ChoicePoint创建的索赔历史数据库,它使保险公司在承保或评级保险单时能够访问消费者的索赔信息. 它通常包含长达5年的个人汽车或个人财产索赔历史.

You can order a C.L.U.E. 报告:

LexisNexis Personal Reports
Call toll free 1-

Or you can request a copy from the seller of a home you are purchasing.

Collision Coverage

支付维修您的汽车,经典汽车,摩托车,房车造成的损坏事故. 您的代理可以帮助您确定您需要的限制,基于您的车辆的商定价值.

Comprehensive Coverage

Pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. 可能包括火灾、挡风玻璃破裂、洪水、坠落物体和风造成的损失.

自定义部件 & Equipment Coverage

Many motorcycle owners like to customize their rides, and some policies pay for customized p艺术s and 设备, often at no extra charge. Ask Teague Insurance for details.

C

可扣除的

当你买保险时,你同意支付一定数额的现金以防损失. This amount is called your “deductible.” The deductible you choose often affects how much you pay for your premium. For example, a higher deductible usually means a lower premium. In the case of a covered loss, you’ll only be required to pay your deductible, and the insurance company usually covers the excess, up to the applicable limit for that loss under your policy.

Directors and Officers Insurance (D&O)

D&公司董事和高级管理人员的过失行为或疏忽,以及误导性陈述,导致对公司的诉讼. 有多种董事和高级职员的保险,如公司报销保险, personal liability, and entity coverage. D&O政策可以扩大到包括雇用行为责任的范围.

E

Electronic Data Processing (EDP) Insurance

这个覆盖是单独的财产覆盖专门设计来保护您的计算机相关设备. 大多数商业地产政策对计算机网络的覆盖范围有限. EDP扩大了损失的原因,包括电涌和某些情况下的病毒攻击.

Electronic Data Processing (EDP) Insurance

这个覆盖是单独的财产覆盖专门设计来保护您的计算机相关设备. 大多数商业地产政策对计算机网络的覆盖范围有限. EDP扩大了损失的原因,包括电涌和某些情况下的病毒攻击.

紧急 & Roadside Assistance

汽车, 船 and personal watercraft, emergency assistance pays for the cost of towing or emergency service. 为旅游房车, 它还包括住房和交通费用,如果您的房车变得不适合居住,并涵盖个人财产损失在您的房车. Some policies also provide roadside assistance for motorcycles.

Excess 责任

Sometimes used interchangeably with "umbrella", "excess liability" refers to extended liability coverage. 这个保险是用来补充你的保险范围,如果损坏超出你的责任范围. Be sure to talk to Teague Insurance about what your excess liability covers.

F

Fidelity Coverage

公司和企业经常购买这种保险,以保护他们免受员工不诚实行为(如偷钱)的损失, 设备, or other assets).

G

H

I

身份盗窃

身份盗窃是指有人窃取你的个人信息,并在未经你允许的情况下使用这些信息开设账户或招致费用. Thieves can access your personal information in a variety of ways, such as stealing your personal mail, 你的钱包, or hacking your computer files. 然后,小偷利用你的身份以你的名字举债,或者发放假身份证. 有关身份盗窃的更多信息和预防提示,请访问联邦贸易委员会的身份盗窃网站.

身份盗窃

身份盗窃是指有人窃取你的个人信息,并在未经你允许的情况下使用这些信息开设账户或招致费用. Thieves can access your personal information in a variety of ways, such as stealing your personal mail, 你的钱包, or hacking your computer files. 然后,小偷利用你的身份以你的名字举债,或者发放假身份证. 有关身份盗窃的更多信息和预防提示,请访问联邦贸易委员会的身份盗窃网站.

赔偿

Providing indemnity means to financially restore someone after a loss, through payment, repair or replacement.

保险分数

基于信用的保险评分(CBIS)来自于您的信用报告上的信息. 这是一个衡量保险索赔可能性的数字,而不是衡量信用价值. Insurers use CBIS along with a number of other factors, including driving records, 宣称历史, and the type of home or vehicle owned, to evaluate new and renewal 汽车 and homeowner insurance policies.

大多数州都有关于如何在保险中使用信用信息的规定. 请联系您所在州的保险部门,了解有关您所在州规则的最新信息.

J

K

L

M

Medical Coverage (Home)

Covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. 它不包括你或其他家庭成员的医疗费用.

Medical Coverage (Home)

Covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. 它不包括你或其他家庭成员的医疗费用.

Medical Coverage (汽车, 船 & Personal Watercraft, 摩托车, RV)

为您的乘客和因事故而产生的医疗费用提供保障.

N

Hired/Non-owned 汽车 责任

Are you renting cars or are your employees using their own vehicles? 这种特殊保险为使用租用或租赁车辆(租用)而产生的某些责任提供商业保险。, 或非自有车辆(员工在公司业务上使用自己的车辆). 通常情况下,这种保险可以以较低的价格添加到企业汽车保险中, or in some cases, a general liability policy.

O

P

责任 & Personal 责任 Coverage

房主, 如果有人受伤或财产受损而你要承担责任,这项保险也适用. The coverage applies anywhere in the world. When choosing liability coverage for your home, 汽车, 船, personal watercraft, 或房车, consider things like how much money you make and what you own. 如果你被起诉,你的责任险应该足够高,以保护你的财产.

Personal Property Coverage

Your home is filled with furniture, 衣服, sports 设备, and other items that mean a lot to you. This coverage helps repair or replace these items if they are lost, stolen or destroyed as a result of an insured event.

Personal Watercraft (PWC)

个人水上艇(PWC)是一种休闲水上艇,骑乘者可以坐在上面或站在上面, rather than inside of, 在船上. 这款车型有一个内置发动机驱动一个泵射流,该泵射流有一个螺旋形叶轮,为推进和转向创造推力.

Physical Damage Coverage for Watercraft

Pays to repair the damage done to your watercraft due to an accident. 它也通常支付维修或更换您的船舶保险情况,如盗窃, 火, vandalism or other non-collision damages that occur in or out of the water.

溢价

简单地说,保险费就是你为一个期限的保单所支付的费用.

Property or Dwelling Coverage

通常支付维修或重建你的房子,如果它被保险事件损坏或摧毁.

Q

R

S

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, 艺术, antiques or collectibles, you may want to talk to your agent about this additional coverage.

T

U

Umbrella Insurance

当你在其他保险项目中遭受损失时,雨伞保险可能会起作用, such as homeowner’s and 汽车 coverage, have exceeded policy limits.

Underwriter/underwriting

承保是在决定是否签发保险单时评估风险的过程.

Uninsured/Underinsured Motorist Coverage

赔偿因意外事故造成的身体伤害或死亡所造成的损害, underinsured or hit-and-run driver, as defined by the law in the jurisdiction where the accident occurred, who is at fault. It also covers you if you are hit as a pedestrian.

Unattached Equipment Coverage

支付维修或更换不是永久连接到你的船或个人船的设备. This includes items like life jackets and water-skis.

V

W

X

Y

Z