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From casualty insurance to tort, insurance is chock-full of industry terms and phrases that can be confusing. Find out what some of the commonly used jargon actually means in our easy-to-understand insurance glossary.
An accident (also known as a car accident or wreck) is the term used to define a vehicle unintentionally colliding with another vehicle, person, or object.
See also: collision coverage, comprehensive coverage, liability
What should I do if I get into an accident?
Accidental death coverage
Accidental death coverage may be a part of your car insurance policy's personal injury protection (PIP) or first party benefits (FPB) coverage. If someone who's covered dies from accident-related injuries, this type of car insurance coverage may provide a payment to the insured's designated beneficiary.
See also: personal injury protection, first party benefits
Act of God
In terms of insurance coverage, an act of God is an unpreventable natural occurrence that causes damage to your insured property. Examples include natural disasters and heavy storms.
See also: natural disaster insurance
Esurance blog: how to disaster-proof your insurance
Protecting your car from flood damage and filing a claim
How to keep your car safe from high winds, tornadoes, and hurricanes
Actual cash value
Your car's actual cash value (also known as its ACV) is calculated by determining its original value minus the amount your car has depreciated since you bought it. If your car is totaled, most car insurance coverages reimburse you only for the actual cash value of your car.
See also: depreciation, total loss
An actuary is an insurance professional who analyzes various types of data and statistics to determine insurance risks and premiums.
See also: insurance score, Motor Vehicle Report, insurance claim report
How your car insurance rate is calculated
Additional interest insured
Additional interest insured refers to another person or organization listed on and protected under a policyholder's car insurance policy. If you lease a vehicle, you may need to list your leasing company as an additional interest insured to protect the company from future lawsuits due to accidents you may cause. Parents might also list their teenage drivers as additional interest insured parties on their policies.
See also: endorsement, insured
An adjuster (also known as a claims adjuster, field adjuster, or insurance adjuster) is an insurance professional who determines the monetary compensation an insurance company will pay a claimant. When someone files an insurance claim, an adjuster examines the damaged property and determines how much the insurance company should pay to repair the property and/or reimburse the claimant for his or her losses.
See also: accident, claim, fender bender
Esurance claims information
Aftermarket parts
Aftermarket parts (also known as replacement parts, generic parts, or aftermarket auto parts) are vehicle components produced by independent companies rather than the original manufacturer or dealership. For example, NAPA car parts and accessories are considered aftermarket parts, while Honda car parts (installed on a Honda) are not.
See also: adjuster, claim
An agent (also known as an insurance agent) sells insurance coverage and helps manage customers' policies. Insurance agents are the authorized representatives of an insurance company or multiple companies.
See also: broker
All-terrain vehicle insurance
All-terrain vehicle insurance (also known as ATV insurance, quad insurance, quad bike insurance, 3-wheeler insurance, or 4-wheeler insurance) is insurance for vehicles with 3, 4, 6, or 8 wheels that are made with off-roading in mind. All-terrain vehicle insurance can include collision, comprehensive, bodily injury, and uninsured rider coverages.
See also: recreational insurance
ATV insurance quotes
Animal health insurance
See pet insurance.
Annual transit
Annual transit refers to insurance that covers all shipments a policyholder makes throughout the year. In general, goods are protected in transit as long as they are within the territory specified by the policy. Some policies may exclude certain waterways or types of peril from their contract.
See also: peril, named peril
Antique cars
Antique cars are defined by the Antique Automobile Club of America as any vehicle that's more than 45 years old. Many collectors, however, only view cars built by or before the end of World War I (1918) as antiques.
See also: collector cars, brass era, classic cars
Collector car insurance
Apartment insurance
See renters insurance.
Antitheft recovery system
An antitheft recovery system consists of an electronic device installed in a concealed area of your car. If your car is stolen, you can activate the device and it'll emit a signal that can be used to locate your car. Such systems can be effective over a radius of several miles, depending on local geography.
By installing an antitheft recovery system, you may also be eligible for a car insurance discount.
Car insurance discounts
At fault
An at-fault driver is a driver who's deemed legally responsible for damage caused in a car accident.
When an insured driver is declared at fault in an accident, his or her insurance company pays for all covered damages incurred by the other party (or parties) up to the policyholder's coverage limits. If limits have been exceeded, the at-fault driver is financially responsible for any excess amount.
In some cases, fault may be assigned on a percentage basis (such as 51 percent at fault).
See also: liability, collision coverage, driving record
Accident and car insurance claims procedures
What to do after an accident
ATV insurance
See all-terrain vehicle insurance.
Auto insurance
See car insurance.
Auto insurance companies
See car insurance companies.
Automated Clearing House payments
Automated Clearing House payments (also known as ACH payments, automatic payments, or electronic payments) are electronic withdrawals from a policyholder's bank account or credit card used to pay insurance premiums or other types of bills.
See also: credit union, renewal letter
What payment methods does Esurance offer?
A benefit is the amount paid by a car insurance company to you or your beneficiary when you file a car insurance claim.
Betterment is the act of property improvement. This term is often used in referencing changes made to a home, such as repairing a damaged roof, that increase its value and insurability.
See also: home insurance
As a temporary authorization of insurance, a binder shows that coverage is in place (bound) for a specific amount of time, usually between 30 to 60 days. It will be replaced by a declarations page when the policy is issued.
When a policyholder requests a car or home loan, the loan company typically requires proof of insurance — which can be provided in the form of a signed binder.
Boat insurance
Boat insurance (also known as marine insurance) is insurance that you can buy for your boat, fishing boat, bass boat, sailboat, pontoon, houseboat, mini jet boat, or cabin cruiser. A boat insurance policy can cover roadside assistance, on-water towing and labor, total loss replacement, water skis, and personal effects replacement.
See also: personal watercraft insurance
Boat and PWC insurance quotes
Bodily injury liability coverage
Bodily injury liability coverage protects you if you're held responsible for injuring someone in a car accident.
This coverage can help pay for the injured party's medical expenses and lost wages, and may also help pay your expenses in a related lawsuit. The amount covered is capped at the limits you select when you buy your car insurance policy.
See also: liability
What is bodily injury coverage?
Body shop
A body shop (also known as a repair shop or auto body shop) is an establishment dedicated to repairing vehicles. Body shops often employ mechanics and other types of automotive experts to offer a range of vehicle repair services.
See also: RepairView®, adjuster, claim, aftermarket parts
Esurance RepairView®
Find a repair shop
Brass era
Brass era refers to the period when all cars' metal fixtures were made of brass. Built on or before 1915, brass era vehicles represent the oldest sub-class of antique cars.
See also: collector cars, antique cars, classic cars
Collector and classic car insurance
Broad form
Broad form (also known as broadest insurance or broadform insurance) is an insurance policy that covers you and/or your property against every possible peril allowed by the insurer.
See also: peril, named peril, open peril
Broadform collision coverage
Broadform collision coverage is available in Michigan.
Broadform works like standard collision coverage, but also pays for collision damage to your insured car when you're not the at-fault driver. In other states, this damage may be covered under property damage liability insurance.
Although this car insurance coverage will pay up to your car's actual cash value regardless of fault in an accident, you'll be responsible for the deductible amount you select if you're found to be more than 50 percent responsible for the accident. If you're less than 50 percent responsible, you won't have to pay this deductible.
See also: collision coverage, actual cash value
A broker (also known as an insurance broker, independent insurance agent, or independent agent) is an independent insurance professional who helps clients obtain coverage that suits their needs by comparing offerings from multiple insurance companies. Rather than endorsing any particular company, a broker represents the consumer. A broker is knowledgeable in the practices and types of insurance offered by the companies he or she works with.
See also: agent, specialist
Bundling (also known as combining policies) is the act of obtaining multiple types of insurance from the same company. Examples include combining homeowners and car insurance, or life, health, and home insurance. Because of multiple-policy discounts, bundling can result in substantial savings for the policyholder.
See also: home insurance, car insurance
Bundle Esurance home and auto to save
Business use
See commercial use.
CARCO (also known as the CARCO Group) is a company that specializes in providing vehicle inspections to determine insurability. Various major car insurance carriers exclusively use CARCO for their inspection needs.
See also: inspection, registration, car insurance
Where do I get my car inspected for damage?
CARFAX (also known as Carfax Inc.) is a professional service that provides consumers and businesses with history reports on used vehicles. Using a vehicle identification number, or VIN, CARFAX can obtain any vehicle's records — including ownership information, accidents, and repair history.
See also: VIN
What you can learn from vehicle history reports
Car insurance
Car insurance (also known as auto insurance, automobile insurance, vehicle insurance, or motor insurance) is a contract between a vehicle owner and an insurer. A car insurance policy provides financial protection from the costs associated with a car accident, including property damage and personal liability.
See also: comprehensive coverage, collision coverage, liability
Car insurance quotes
Car insurance discounts
How your rates are factored
Car insurance calculator
A car insurance calculator attempts to predict what you would pay for a policy by quickly analyzing some general information about you as a driver. Some common things you may plug into a car insurance calculator to generate a quote are your age, gender, ZIP Code, vehicle type, and accident history.
See also: quote
Get a free car insurance quote
How certain factors affect auto insurance rates
Car insurance companies
Car insurance companies (also known as car insurance carriers, auto insurance companies, or auto insurance carriers) underwrite policies to owners of cars, trucks, and other vehicles. The main purpose of the policy is to provide financial protection from car accidents, property damage, and the resulting liability.
See also: Esurance
About Esurance
Car insurance
Car insurance discounts
Facts and insights on car insurance
Casualty insurance
See property and casualty insurance.
A citation (also known as a ticket) is a legal summons generally issued as the result of a moving or non-moving driving violation.
Moving violations are driving-related infractions, such as speeding or failure to yield, whereas non-moving violations are legality-related issues, such as improper registration or parking violations.
See also: Motor Vehicle Report
A car insurance claim is a policyholder's request to be reimbursed for a loss that's covered by car insurance.
File a claim
Classic cars
Though the term "classic car" can apply loosely to many collector models, classic cars are defined by the Classic Car Club of America as any vehicle made between 1925 and 1948.
See also: antique cars, brass era cars
Collector cars
A collector car is any collectible vehicle used primarily for pleasure driving, car shows, and club events. In order to maintain collector car insurance on a vehicle, the owner must generally adhere to an annual mileage limit as specified by the insurance company.
See also: antique cars
Collector car insurance (also known as antique car insurance or vintage car insurance) is a form of car insurance designed for cars that aren't your primary vehicle and are typically used for Sunday drives, car shows, or other similar events. Collector cars can be vintage, exotic, limited-edition, or military vehicles.
Collector and classic car insurance quotes
Collision coverage
Collision coverage can help pay for repairs or replacement costs to your own vehicle if your car hits another vehicle/object or if your car rolls over.
The maximum amount paid for repair or replacement is the car's actual cash value minus the deductible you choose when you buy your policy.
See also: comprehensive coverage, actual cash value, deductible
What is collision coverage?
Collision deductible waiver
This coverage option pays the deductible for your collision coverage if you're involved in an accident in which an uninsured motorist is held legally responsible.
This particular car insurance coverage option isn't available in all states. If it is available, you must add this to your auto insurance policy if you choose to buy collision coverage.
See also: deductible
What is a collision deductible waiver?
Commercial use
Commercial use classification (also known as business use) means that you mainly use your car for business purposes (such as sales, service, and delivery calls) or work-related errands (like trips to the bank or post office), and other work-related driving. Commuting to and from work is not considered commercial use.
See also: primary use
Commercial car insurance
Commercial vehicle
A commercial vehicle (also known as a work vehicle) is any automobile used for business purposes other than commuting.
See also: commercial use
Commercial car insurance
Myth: commercial car insurance is only for big businesses
Commuting, in the context of car insurance, means that you primarily use your car to drive to and from work or school.
Comprehensive coverage
Comprehensive coverage (also known as other-than-collision coverage) can kick in when your car is damaged by fire, certain natural disasters, falling objects, or vandalism. Theft and accidents with animals are also covered under this coverage. Comprehensive coverage is legally optional but may be required by a loan or leasing agent if you finance your car.
The maximum amount paid for repair/replacement is the car's actual cash value (minus your deductible, of course).
See also: collision coverage
Hitting an animal
Condominium insurance
Condominium insurance (also known as condo insurance) covers your personal property and the inside of your condo. Condo insurance also provides liability protection for bodily injury or property damage to others. Your condominium association will cover the building itself and the surrounding property.
See also: home insurance, renters insurance
Condo insurance quotes
Continuously insured
The length of time you've been continuously insured is the number of years you've been covered by one or more insurance companies without a lapse in your car insurance coverage.
Credit score
A credit score is a numerical value that represents how likely it is an individual will repay a loan or other debt on time.
The higher your credit score, the better chance you have of being approved for loans, credit cards, vehicle financing, etc. Factors such as bill payment history, credit history, debt-to-credit ratio, and many other financial details can positively or negatively affect your credit score.
See also: insurance score, National Credit File
Myth: credit score does not affect your rate
Credit union
A credit union is a nonprofit cooperative banking institution owned by its members. Generally, credit unions promote community growth by requiring applicants to reside in specified towns, cities, or counties to qualify for membership. Many credit unions grant membership to employees of certain companies.
Typically, credit unions offer lines of credit and loans at lower rates than traditional, for-profit banks.
Why gap insurance is helpful when financing a car
Customized parts and equipment coverage
Customized parts and equipment coverage (also known as CPE coverage) insures nonstandard parts that have been installed or altered after a vehicle's original production. Examples of common aftermarket customizations include car stereo systems, modified exhausts, new wheels, and added security features.
See also: collector car insurance, aftermarket parts
Myth: modified car insurance is hard to find
A deductible is the amount you agree to pay out of pocket before a certain coverage kicks in after you file a car insurance claim. Generally, higher deductibles translate to lower premiums because you're assuming more of the financial risk in the event of an accident.
Declarations page
The declarations page (also know as a dec page) of your car insurance policy summarizes the information essential to your car insurance coverage: your name and address, descriptions of the insured vehicle(s), and the car insurance premium, as well as the policy's coverages, limits, and deductibles.
Defensible space
Defensible space (also known as firescaping) has to do with reducing fire damage near your home. Essentially, you keep the area around your property free from combustible materials, including vegetation, to maintain defensible space.
See also: garaging location
Everything you need to know about smoke alarms
Renters insurance may protect your assets in the event of a fire
Defensive driver and driver improvement courses
Defensive driver and driver improvement courses train drivers of all ages. Certain mature driver safety courses are typically aimed at drivers 55 and older.
In certain states, you may qualify for a car insurance discount if you're in the eligible age range and you've taken one of these safety courses.
See also: mature driver
Department of motor vehicles
The department of motor vehicles (also known as the division of motor vehicles, bureau of motor vehicles, department of transportation, or DMV) is a state agency responsible for vehicle registrations, driver licensing, and driver license renewals.
These agencies adhere to unique state-specific regulations and often go by different names. DMV is the most commonly known and accepted term when referring to the department of motor vehicles in a general sense.
See also: Motor Vehicle Report, insurance claim report, SR-22
Driving without a license
Depreciation is the decline in an object's value due to age, wear and tear, or obsolescence.
Direct auto insurance
Direct auto insurance (sometimes known as online insurance) lets consumers buy car insurance coverage directly through a company's website or over the phone rather than through an independent agent or broker.
See also: agent, broker
Dirt bike insurance
Dirt bike insurance (also known as Enduro insurance, mountain bike insurance, or trail bike insurance) covers lightweight, motorized bikes designed for off-road use. Types of dirt bike insurance coverages include liability, collision, and comprehensive. Policyholders often purchase dirt bike insurance to protect themselves from theft.
See also: recreational insurance, scooter insurance, all-terrain vehicle insurance
Motorcycle insurance
A DL-123 is a form required in North Carolina that verifies your car insurance coverage. To obtain or renew a North Carolina drivers license, you'll need to submit this form to the North Carolina Division of Motor Vehicles. Your insurer can provide and sign this form as long as you have an active North Carolina car insurance policy.
See also: SR-22, FS-1
A driver (also known as an operator) is an individual who controls or operates a motor vehicle. This term can refer to the operator of a car, truck, or motorcycle.
See also: passenger
Drivers permit
See learners permit.
Driving record
See Motor Vehicle Report.
Driver status
Driver status indicates how frequently the driver listed on the policy actually drives a covered vehicle. If you're the primary policyholder, you would be listed as the "primary driver." You might list your spouse and kids as "occasional drivers."
See also: insured, primary driver, primary policyholder
Myth: car insurance follows the driver
FAQ on adding or removing drivers from your policy
Dwelling insurance
See home insurance.
Earthquake insurance
Earthquake insurance is a type of coverage that can be added to a policyholder's homeowners, condo, or renters insurance for an additional premium. As the name implies, it covers damages caused by earthquakes.
Most standard homeowners policies do not insure against earthquake damage unless this additional coverage is added to the policy.
See also: home insurance, renters insurance, condominium insurance
How to disaster-proof your insurance
Homeowners insurance quotes
Effective date
The effective date is the date your auto insurance coverage begins. You are not covered by a car insurance policy until the effective date, which you can select when you buy your policy.
Emergency road service
Emergency road service (also known as towing and labor, emergency repair service, motor club, or roadside assistance) provides on-the-spot assistance for various types of roadside emergencies. Typical emergency road services include flat tire repair/replacement, lock-out services, and gas delivery.
Most insurance companies offer some form of emergency road service.
See also: car insurance
What is emergency road service?
An endorsement (also known as a rider) refers to any change made to your original insurance contract. Endorsements include changing your deductibles or limits or adding other people or cars to your policy.
See also: car insurance, exclusions, limits, deductible
FAQs on making changes to your policy
Erin Esurance
Erin Esurance was the official mascot of Esurance for many years. She first appeared as an animated figure in 2004, and she helped Esurance become one of the most recognized names in online car insurance. Though she's no longer featured in our commercials, her spirit lives on in our offices.
Marketing and advertising with Esurance
Esurance commercials
The E-star® Direct Repair Program is an Esurance program that qualified car repair shops meeting our strict criteria can join. This network of Esurance-approved shops features RepairView® online repair monitoring and guarantees repairs for as long as you own the car. RepairView enables you to see and share photos of your car as it goes through the repair process.
After you file a claim with Esurance, your dedicated claims rep can help you select an E-star facility near you or you can use our online E-star locator.
Esurance created E-star to help expedite the auto repair process and provide excellent service at state-of-the-art facilities. There are more than 1,000 E-star shops nationwide.
See also: RepairView®, body shop
E-star locator
Esurance RepairView®
Esurance claims center
That's us. Esurance is a San Francisco-based car insurance company that offers direct-to-consumer personal car insurance. Our innovative approach to car insurance allows customers to take advantage of affordable rates, great discounts, and a wealth of handy tools like online repair monitoring.
We also help drivers find affordable car insurance in the states we don't operate in, and can help you find reliable home, renters, life, health, motorcycle, pet, and specialty insurance products.
Insurance products
Car insurance
Motorcycle insurance
Homeowners insurance
Renters insurance
Excess (also known as excess coverage or excess insurance) refers to insurance that backs up the primary policy with extra protection. Typically, if you have 2 overlapping policies covering the same thing, the excess doesn't kick in until the loss amount passes a certain threshold or the primary coverage limit is exceeded.
See also: broad form
Excluded driver
An excluded driver (also known as a named driver exclusion) is an individual who's specifically listed as someone not covered on a car insurance policy. For instance, if you and your spouse (who has a less-than-stellar driving record) have separate car insurance policies, you might name him or her as an excluded driver. This means that he or she will not be covered under your policy if he or she gets behind the wheel of your car.
See also: insured, Motor Vehicle Report
FAQs on adding or removing drivers
Exclusions are situations that are not covered by a given insurance policy. Any specific exclusion will be stated in your auto insurance policy.
Exotic car
Generally, an exotic car refers to an expensive, high-end vehicle. Ferraris, Lamborghinis, and Porsches are examples of exotic cars.
See also: collector cars, classic cars, antique cars, vintage cars, brass era cars
Collector and classic car insurance
What classic car insurance covers
Extraordinary medical coverage
Extraordinary medical coverage protects you in the event you suffer accident-related injuries that require serious and/or long-term medical care. Extraordinary medical coverage begins once you have exhausted the limit on your standard medical benefits coverage.
This coverage may be a part of your personal injury protection (in no-fault states) or first party benefits plan (in Pennsylvania).
See also: personal injury protection, first party benefits
Family member
For car insurance purposes, a family member is someone who lives in the same home as the policyholder and is related by blood, marriage, or other recognized ties (like adoption, foster care, or wardship). Students living away from home may still be considered family members.
Fender bender
Fender bender (also known as rear-end accident) refers to a minor, low-impact car accident in which the front or rear of a vehicle suffers damage. Fender benders often occur when drivers brake suddenly and the vehicles following behind are unable to stop in time. Generally, fender benders cause negligible damage.
See also: body shop, adjuster, claim
Financial responsibility
Financial responsibility, in the context of car insurance, means you have the financial backing needed to pay for damages you cause during an accident. Buying car insurance with the necessary liability coverage is the most common way you can demonstrate your financial responsibility to your state.
See also: SR-22, FR-19
The SR-22: what you should know
First party benefits
First party benefits, or FPB, is a kind of optional car insurance coverage in Pennsylvania.
Depending on the specific FPB coverages you select, if you're injured in an accident, FPB can help cover medical expenses, lost income, accidental death, and funeral costs for you and relatives residing in your household.
The coverage is capped at limits you select when you buy your Pennsylvania auto insurance policy.
Pennsylvania car insurance
What is first party benefits coverage?
Floater policy
A floater policy can protect certain types of property (jewelry, furniture, art, clothing, etc.) that can be easily moved or aren't always in your possession. These items may not be covered by home or renters insurance, so a floater policy can be a helpful guard against theft or damage incurred either in transit or in someone else's care, like a dry cleaner's or repair shop's.
See also: renters insurance, home insurance
Homeowners insurance quote
Renters insurance quote
Four-wheeler insurance
An FR-19 is a form that Maryland or Delaware drivers may need to sign when registering a car or truck. Upon signing this form, you acknowledge that you'll carry the state's required minimum liability coverage on a registered vehicle. The form can be issued (for free) by your insurer.
See also: SR-22
Maryland auto insurance
Delaware auto insurance
An FS-1 is a proof of insurance form exclusively used in North Carolina. If the North Carolina Division of Motor Vehicles received notification that your liability coverage has lapsed, they'll request an agent-signed FS-1 that confirms coverage on the date of the supposed lapse. If you can't provide one, you'll likely need to pay a fine and obtain insurance immediately to avoid revocation of your vehicle's tags.
See also: DL-123, SR-22
Myth: coverage lapses don't affect your rate
Full coverage car insurance
Full coverage car insurance usually implies that the policy has more than just liability coverage. Though there's really no such thing as "full coverage" when it comes to car insurance, people often use this term to describe how much auto insurance coverage they have.
See also: comprehensive coverage
Why comprehensive coverage isn't all that comprehensive
Funeral benefits coverage
Funeral benefits coverage may be a part of your car insurance policy's personal injury protection or first party benefits plan. If a covered individual dies from accident-related injuries, this coverage pays for a portion of funeral expenses, regardless of who was at fault in the accident.
Covered costs are subject to the limit you choose when you buy your car insurance policy.
Gap insurance
Gap insurance (also known as loan/lease gap coverage) is a type of insurance coverage that financing car buyers may purchase from their insurance company, the dealership, or the loan provider.
If the vehicle has been financed or leased, gap insurance covers the difference (if any) between what is owed on the car and the car's actual cash value in case there is a total loss. This protects policyholders from having to make payments on totaled vehicles they can no longer drive.
See also: total loss, actual cash value
Gap insurance: what it is and why you (might) need it
Garaging location
The garaging location is where an insured car is parked most of the time. The ZIP Code of your primary residence usually indicates your specific garaging location. Your garaging location may affect your car insurance rates, so notify your insurance company if you normally keep your car somewhere other than your home address.
Golf cart insurance
Golf cart insurance, a type of specialty motorcycle insurance, is a form of property and casualty insurance that covers golf carts. Golf carts generally hold up to 2 people and are designed to transport golfers and their equipment from hole to hole on golf courses. Types of golf cart insurance coverages include liability, collision, and comprehensive. Coverage may also be available for a trailer used to transport a golf cart.
See also: motorcycle insurance, all-terrain vehicle insurance, travel trailer insurance
Hazard insurance
Health insurance
Health insurance (also known as medical insurance) covers medical expenses and long-term nursing costs. Each health insurance policy has a specific deductible and premium amount. The deductible is what you pay out of pocket, and the premium is what you pay each month or year to maintain the policy.
Health insurance quotes
Health insurance FAQs
Home insurance
Home insurance (also known as hazard insurance, homeowners insurance, dwelling insurance, or house insurance) is a form of property and casualty insurance that covers the insured's primary residence. A home insurance policy generally offers coverage for liability, personal belongings, and damage to the primary structure as well as other structures — such as detached garages and storage buildings on the home's property.
A home insurance policyholder must own or be making mortgage payments on his or her home.
Those who rent their dwellings may protect their belongings by buying renters insurance.
See also: manufactured home insurance, renters insurance, condominium insurance
Homeowners insurance quotes
Renters insurance quotes
Condo insurance quotes
Hurricane recoupment fund
The hurricane recoupment fund (also known as the Florida Hurricane Catastrophe Fund, the FHCF, or the hurricane CAT fund) is a fund created to ensure that individuals affected by catastrophic events, such as hurricanes and other major disasters, receive the financial assistance they need. Insurance providers participating in this program pay a specified annual amount to the state, part of which they recoup through property and casualty insurance premiums.
See also: property and casualty insurance
How to drive in the high winds of a hurricane
Hybrid electric vehicles
Hybrid electric vehicles (also known as HEVs) are powered by a combination of batteries and fuel. By using less gas, HEVs emit fewer pollutants and receive better gas mileage than standard vehicles.
Why hybrids cost more to insure
Income loss coverage
Income loss coverage is sometimes a part of your auto insurance policy's personal injury protection coverage (in certain states) or first party benefits coverage (in Pennsylvania).
Income loss coverage offers financial protection if you're unable to work due to accident-related injuries. It helps you recover portions of your lost salary and other expenses you may incur as you try to return to work.
An indemnity is the sum that your insurer will pay to you or others after an accident that results in damage to property or people. The idea is that it'll restore you — or rather your finances — to their pre-loss condition.
Independent insurance agent
See broker.
An inspection (also known as a vehicle inspection, safety inspection, or annual inspection) is a practice governed by state and national regulations in which trained professionals determine a vehicle's insurability and road-use legality.
The 2 main factors checked during inspections are vehicle safety and emissions. State laws dictate the required frequency of vehicle inspection, but the most common reasons for the procedure include insurance applications, car accidents, and vehicle registrations.
See also: registration
Where do I go to get my car inspected for damage?
Insurance adjuster
See adjuster.
Insurance card
An insurance card (also known as an ID card) contains a car insurance policy's pertinent information — including name(s) and address(es) of policyholder(s); policy number; year, make, model, and VIN of each insured vehicle; the effective date of the policy; and the name and contact information of the insurance company.
In most states, you'll typically need to show a police officer your insurance card, along with your license and registration, if you're stopped.
See also: car insurance, VIN, lapsed coverage, effective date
Insurance claim report
Insurance claim reports provide details about car insurance claims you or other insured drivers on your policy have filed with insurance companies. These reports are provided by independent consumer reporting agencies that collect car insurance claim information from a variety of insurance companies. One of the most common agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting Exchange.
Insurance fraud
Insurance fraud (also known as an insurance scam) is any act that knowingly defrauds an insurance company to obtain payment. Fraud can take on many forms, ranging from overinflated towing bills to windshield repair fraud, and from staged accidents to exaggerated claims of stolen property or damages.
Insurance fraud is a leading cause of today's rising insurance costs, and all states enforce strict laws against this form of crime. Convicted offenders can face major penalties, hefty fines, and imprisonment.
See also: claim, car insurance, home insurance, insurance claim report
Insurance score
Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on aspects of your credit history. These scores and analyses of their significance are provided by independent consumer reporting agencies.
Will my credit affect my auto insurance rates?
The insured is an individual covered by a car insurance policy.
Investment property
An investment property is any piece of real estate used to generate revenue for the owner. Examples of common investment properties include apartment complexes, rental houses, and vacation rentals.
Learn about condo insurance
Myth: buying a home doesn't affect your car insurance policy
Jet Ski® insurance
Jet Ski insurance (also known as personal watercraft insurance) is designed to protect your personal watercraft both in and out of the water.
Though jet ski is commonly used to refer to personal watercrafts like Yamaha's WaveRunner™, the term literally refers to Kawasaki's trademarked product, which debuted in 1973. Powered by a jet drive, Jet Skis can travel on the surface of water and usually accommodate one to 3 people.
See also: personal watercraft insurance, boat insurance
PWC insurance quotes
A judgment is a final decision rendered by a court of law.
Kit car
A kit car (also known as a replica car) is a vehicle assembled from a set of parts. The engine and other components will often be taken from other cars to complete the kit.
Lapsed coverage
Lapsed coverage occurs when an individual is without an active car insurance policy. A lapse in your coverage could indicate a higher level of risk for insurers and can often result in higher premiums in the future.
Driving without at least the basic liability coverage is illegal in many states and can saddle you with steep fines and penalties.
See also: continuously insured, SR-22
Learners permit
A learners permit (also known as a drivers permit, learners license, or provisional license) is a document issued by the DMV allowing a new driver to begin driving. Generally, state laws require that the holder of a learners permit be accompanied by a licensed adult driver when operating a motor vehicle.
10 tips for young drivers and their parents
A lender is any individual or organization that provides monetary loans. When someone obtains a loan, he or she must pay the lender back in full, with interest, within an agreed-upon period.
New car insurance FAQs
Car gap insurance and loan/lease insurance coverage
A lessee is anyone who is leasing a property — typically a house or vehicle. A lease is a contract that grants the lessee exclusive use of a property for a specified period provided he or she makes the agreed-upon payments.
Loan/lease gap coverage
Letter of experience
A letter of experience is documentation provided by an insurer verifying the length of time a policyholder had or has had insurance with the company. It can also show the length of time a customer was insured before switching companies or canceling a policy.
Because most insurance companies offer discounts that depend on how long applicants have kept continuous coverage without interruption, letters of experience are generally required to obtain a better insurance rate.
What to know before switching insurers
LexisNexis is a leading provider of consumer reports. Esurance uses LexisNexis to obtain applicants' credit-based insurance scores in many states. Insurance companies use these scores, along with various other factors, to determine car insurance rates.
See also: driving record, Motor Vehicle Report, car insurance
Myth: your credit score does not affect your car insurance rate
Liability is a term that broadly means legal responsibility. If you run a stop sign and hit another car, you may be found liable for the damages to the other driver's car.
Liability coverage
Liability coverage protects you from having to deplete your personal assets to pay for damages if you're held responsible for injuries or damages arising from a car accident.
The 2 main types of liability coverages in a car insurance policy are bodily injury and property damage. These coverages are required in most states.
Car coverages explained
License points
Life event
The term "life event" refers to an occurrence in life that significantly changes a person's status or living situation. Common examples of life events include marriage, divorce, serious medical diagnosis, disabling injury, pregnancy/childbirth, buying a house, and death of a spouse or close relative.
Life insurance
Life insurance policies typically cover your funeral expenses, children's education, mortgage payments, and certain daily or monthly bills in the event of your death. The sooner you get life insurance, the less you'll generally pay for it over time.
The 2 main categories are protection policies, which are designed to provide a benefit when a specified event occurs, and investment policies, in which the main objective is to facilitate the growth of capital by regular or single premiums.
Life insurance quotes
Life insurance types
Limited lifetime warranty
A limited lifetime warranty (also known as a lifetime warranty, limited warranty, or vehicle warranty) is a contract between a car buyer and seller that entitles the buyer to receive compensation if the purchased vehicle fails to meet specified criteria.
For example, if the car's engine breaks down during proper usage, the buyer may be reimbursed in accordance with the limited lifetime warranty's conditions.
A limit is the maximum amount an insurance company will pay, per coverage, for a covered loss. Though you can choose your limits for certain coverages, some states require you to buy certain minimum levels of car insurance coverage.
See gap insurance.
A lowrider is a vehicle that has been customized in a way that lowers its body closer to the ground. This is generally accomplished through the use of hydraulic jacks.
See also: collector cars
Myth: modified car insurance is hard to find
Collector and classic car insurance
Manufactured home
A manufactured home is a factory-built home that meets the Manufactured Home Construction and Safety Standards set by the U.S. Department of Housing and Urban Development in 1976.
Unlike the mobile homes of the past, manufactured homes today come with many upgrades and can closely resemble a typical site-built home.
See also: manufactured home insurance
Manufactured home insurance
Manufactured home insurance provides coverage for manufactured homes against sudden and accidental losses, including those caused by fires, theft, floods, hurricanes, tornadoes, earthquakes, vandalism, landslides, and more.
See also: mobile home, mobile home insurance
Manufactured home insurance quotes
Marine insurance
See boat insurance.
Mature driver
A mature driver (also known as a senior driver) is considered mature upon reaching a certain age, as determined by his or her state of residence. The minimum age for mature drivers in many states is 55 years old.
Many insurance companies offer discounts to mature drivers who complete state-certified defensive driving courses.
Medical benefits coverage
Medical benefits coverage may be a part of your car insurance policy's personal injury protection (in certain states) or first party benefits plan (in Pennsylvania).
Medical expenses that are the direct result of accident-related injuries are covered. Covered medical expenses are capped at the limits you choose when you buy your car insurance policy.
Medical payments coverage
Medical payments coverage (also known as medpay or med pay) is an optional coverage that can help pay medical bills and/or funeral expenses if you and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident.
Medical payments coverage may also cover you and your family members when riding in others' vehicles, or a pedestrian on the street.
The amount paid by medical payments coverage is capped at the limit you choose when you buy your auto insurance policy.
What is medical payments coverage?
Mobile home
A mobile home is a factory-built home manufactured before the establishment of the Housing and Urban Development (HUD) code in 1976. Mobile homes are built on a chassis for easier transporting and usually require utilities hook-ups and anchoring.
See also: mobile home insurance
Mobile home insurance
Mobile home insurance protects your mobile home and any attached structure(s) in the event of any direct, sudden, or accidental loss. Mobile home insurance also covers your personal belongings and provides personal liability protection.
See also: manufactured home insurance, manufactured home
Modern classic car
Though not officially recognized as classics by the Antique Automobile Club of America, modern classic cars are generally collectable vehicles between 15 and 25 years old.
Collector and classic car insurance quotes
Myth: modified car insurance is hard to find
Monetary threshold
In no-fault states, a monetary threshold precludes policyholders from suing for bodily injuries sustained in a car accident unless the expenses exceed a certain agreed-upon figure as defined by the state.
Once the threshold is crossed, an accident victim can sue an at-fault driver for medical-related post-accident expenses.
See also: verbal threshold, no-fault insurance, no-fault states
What is bodily injury coverage?
What is personal injury protection?
Moped insurance
See scooter insurance.
Motorcycle insurance is insurance you can buy to protect your motorcycle and yourself in the event of an accident. Motorcycle insurance offered through Esurance covers street bikes, cruisers, touring bikes, standard motorcycles, scooters, touring motorcycles, dirt bikes, trikes, classics, and other 2-wheeled rides.
Motorcycle insurance quotes
Motor insurance
Motor Vehicle Report
A Motor Vehicle Report (also known as an MVR, driving record, or license points) is an individual's documented history regarding motor vehicle operation.
The DMV receives a record of any moving violations, at-fault car accidents, not-at-fault car accidents, and tickets. This information is added to the driver's record. Depending on the severity of an infraction, a driver may receive points on his or her driving record, which can result in higher car insurance premiums, insurance coverage restrictions, or even a suspended or revoked drivers license.
Moving violation
A moving violation is any unlawful driving-related act committed while a vehicle is in motion. Common examples of moving violations include speeding, improper signaling, following too closely, and running a stop sign or red light.
See also: Motor Vehicle Report, claim
Named peril
A named peril is a damage/loss risk you specifically list on your insurance policy. Named peril insurance specifies the threats you want your property protected against, as opposed to open peril insurance, which guards against a general list of risks that you do not specify.
See also: peril, open peril
Home insurance quote
Condo insurance quote
Named insured
See primary policyholder.
National Credit File
The National Credit File provides objective consumer information regarding the financial history of an individual. Information contained in this report is often used to calculate insurance scores.
Natural disaster insurance
Natural disaster insurance is supplemental coverage that provides protection if your insured property is damaged or destroyed by a naturally occurring catastrophe, such as a hurricane, flood, tornado, avalanche, or mudslide.
See also: act of God
Homeowners insurance quotes
How to disaster-proof your insurance
No-fault insurance
No-fault insurance often includes or requires personal injury protection coverage, which can help pay for a policyholder's medical-related expenses after a car accident, regardless of fault. In a typical no-fault claim, each insured party files a claim with their own insurer without waiting for the assignation of fault.
No-fault insurance aims to help injured drivers and passengers get medical care as swiftly as possible and does not apply to property damage.
Each no-fault state has a monetary or verbal threshold that specifies a certain level of damage that, when surpassed, can allow an injured party to sue an at-fault driver.
See also: personal injury protection, monetary threshold, verbal threshold
No-fault states
In no-fault states, insurance companies are legally required to pay their policyholders' covered medical-related losses after an accident, regardless of fault.
Some no-fault states also restrict the right to sue for damages.
There are currently 12 no-fault states (although no-fault can be declined in some): Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
See also: personal injury protection
Non-passive alarm
A non-passive alarm is a type of car alarm that has to be manually activated each time you leave your car. If someone attempts to open your car, the alarm sounds, and the system disables the automobile's starter, ignition system, and/or fuel circuit.
You may qualify for a car insurance discount if your car is equipped with such an alarm.
Non-stackable insurance
Non-stackable insurance doesn't allow a policyholder to combine the amounts of uninsured and/or underinsured motorist coverage for each covered vehicle. For example, if you have a stackable insurance policy that insures 3 cars, each of which is insured with $10,000 of uninsured motorist bodily injury coverage, you could receive up to $30,000 for covered injuries in a single incident with an uninsured driver.
Conversely, a non-stackable insurance policy with $10,000 of uninsured motorist bodily injury coverage will pay up to $10,000 for applicable injuries or expenses per incident, regardless of how many cars are covered.
States allowing insurance stacking may still permit companies to include language in their policy contracts that deems limits non-stackable.
See also: stacking
Online insurance
See direct auto insurance.
Open peril
Open peril (also known as all-risk) is property insurance that protects your things from any and all types of damage, except those specifically named on your policy.
See also: named peril, peril
Take inventory of your possessions for more effective insurance
Original equipment manufacturer
Original equipment manufacturer (also known as OEM) refers to replacement vehicle parts made by the same manufacturer that produced the car's original part. For instance, if your brake pads need to be replaced, and you want to use OEM parts, then your repair shop will need to find brake pads made by the same manufacturer that produced your car's original pads.
See also: aftermarket parts
Out-of-pocket expenses
Out-of-pocket expenses are what you pay in addition to what your car insurer pays when you file a claim.
These are typically the result of the deductibles and coverage limits you choose. For example, if you carry a property damage liability limit of $25,000 and you get into an at-fault accident that causes $30,000 worth of damage to someone else's property, you may incur out-of-pocket expenses of $5,000, in addition to the deductible.
See also: deductible, liability coverage
Finding the right coverage
Why the cheapest car insurance isn't always best
A passenger (also known as a rider or guest) is any person in the vehicle other than the driver. This includes individuals traveling via car, truck, motorcycle, or any other type of motor vehicle.
See also: driver
Crash test results: how safe is your favorite vehicle?
Kids in cars: are they sitting safely?
Passive alarm
A passive alarm is a type of car alarm that is automatically activated and emits warning sounds when someone tries to get into your car. Once the passive alarm has been triggered, the system disables the automobile's starter, ignition system, and/or fuel circuit.
You may receive a car insurance discount if your car is fitted with such an alarm.
A peril is anything that can cause damage or loss to your property. This can be a wide range of things, from wind to theft to smoke.
See also: named peril, open peril
Renters insurance quote
Homeowners insurance quote
Permissive use
Permissive use means you grant someone permission to drive your vehicle. Generally, if someone gets into an accident while driving your car with your permission, your insurance provides the same coverage as when you're behind the wheel. In some states, however, permissive drivers have reduced coverage.
See also: excluded driver
Myth: car insurance follows the driver
Personal injury protection
Personal injury protection (also know as PIP) is a kind of car insurance coverage in certain states that can help cover medical-related expenses after a car accident, regardless of fault. In some states, PIP can also pay for lost wages and other similar losses.
PIP is often mandatory in no-fault states, although it can be declined in some. Select states that follow the traditional (fault) insurance system still require PIP unless it's declined in writing. Specific protections afforded by this type of car insurance coverage and limits on personal injury protection payments vary widely from state to state.
See also: no-fault insurance
What is personal injury protection?
Personal liability
Personal liability (also known as personal obligation or personal responsibility) refers to a situation in which an individual is legally responsible for damages caused to another party or someone's property.
When someone is deemed personally liable, he or she is financially obligated to compensate the other party for damages in accordance with national and state liability laws.
Policyholders may carry personal liability coverage on their home insurance, car insurance, and virtually any other type of property and casualty insurance policy they own. Individuals may also purchase personal umbrella insurance in order to insure against liability situations not covered by their other insurance policies.
See also: liability coverage, medical payments coverage, no-fault insurance
Minimum auto insurance requirements
Personal watercraft insurance
Personal watercraft insurance (also known as PWC insurance or personal water craft insurance) protects your Jet Ski®, Sea-Doo®, or WaveRunner® in and out of the water. Like boat insurance, personal watercraft insurance can cover roadside assistance, on-water towing and labor, total loss replacement, water skis, and personal effects replacement.
See also: Jet Ski insurance, SEA-DOO insurance, WaveRunner insurance
Pet insurance
Pet insurance (also known as animal health insurance and pet health insurance) can help pay your veterinary fees if your dog, cat, bird, or other insured pet is injured. Its primary use is to cover fees relating to any illness or injury including hospitalization, referrals, and prescriptions.
Our pet insurance partner, Petplan, offers coverage for cats and dogs.
Pet insurance quotes
Physical damage coverage
Physical damage coverage (also known as property damage coverage) is a form of car insurance that covers the policyholder's vehicle. If a policyholder is found at fault in an accident, the insured will file an insurance claim under the car insurance policy's physical damage coverage.
See also: adjuster, collision coverage, comprehensive coverage
Pleasure use
Pleasure use, in the context of car insurance, means that you typically drive your car for fun, with no regular commuting or commercial use.
Your policy is the contract that states what your car insurance coverage includes (coverages, limits, and deductibles), as well as your official annual premium.
It's a document or group of documents that typically includes a declarations page, a list of exclusions, and other terms and conditions of your coverage.
See also: car insurance, declarations page
Policy document FAQs
Policy expiration date
The policy expiration date is the date your insurance coverage ends if your policy isn't renewed.
The expiration date can be found on the declarations page of your car insurance policy, on your insurance card, or on a recent car insurance renewal notice.
See also: declarations page
Policy term
A policy term is the length of time an auto insurance policy is valid. Auto insurance policies from Esurance have a policy term of 6 months or 12 months, depending on your state of residence.
See rate.
Primary coverage
Primary coverage (also known as primary insurance) is the first coverage to help pay damages or expenses after a claim is filed whether or not there's other coverage in place. For example, if you're found at fault in a car accident and you have a car insurance policy as well as an umbrella policy, your car insurance policy will act as your primary coverage.
See also: secondary coverage, liability coverage, umbrella insurance
Primary driver
The primary driver is the person named on a car insurance policy who drives a specific car most frequently.
Primary policyholder
The primary policyholder is the person who is billed for the auto insurance policy and who serves as the main point of contact with the insurance company.
Primary residence
Your primary residence is the home address and ZIP Code you list on your policy as your place of residence for the duration of your policy term. Your primary residence is usually the same as your garaging location, unless you keep your car elsewhere.
See also: car insurance, garaging location
How your ZIP Code can impact your car insurance rate
Did you know moving can affect your car insurance?
Primary use
A vehicle's primary use is how the car is typically used. Auto insurance companies usually classify primary use as commuting, commercial, or pleasure use.
Proof of insurance
Proof of insurance (also known as POI) is any legal, signed document provided by your insurance company that shows the effective date of your active insurance policy.
See also: declarations page, SR-22, DL-123, FS-1
How do I print my insurance card?
Esurance blog: Can your smartphone count as proof of insurance?
Property and casualty insurance
Property and casualty insurance (also known as P&C insurance) financially protects homes, condos, businesses, cars, and other assets against damages and loss. Property insurance generally protects the property itself while casualty insurance (often known as liability insurance) covers policyholders against legal liabilities caused by injury or property damage to others.
Generally speaking, property and casualty insurance differ from life and health insurance policies because they protect against liabilities not covered by other insurance policies.
See also: casualty insurance
Property damage liability coverage
Property damage liability coverage protects you if you are held responsible for damaging someone else's property in a car accident.
Property damage liability coverage helps reimburse another person for their damaged property (such as a car, a fence, or a home) and helps pay your expenses in the event of a related lawsuit.
The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy.
What is property damage coverage?
Property insurance
See property and casualty insurance.
Provisional license
PWC insurance
See personal watercraft insurance.
Quad insurance
A quote is an insurance premium estimate provided by an insurance agent, licensed insurance sales representative, or online engine. To receive the most accurate quote, provide honest, accurate information regarding your car, driving record, years of driving experience, claims history, insurance history, and annual mileage.
See also: insurance claim report, Motor Vehicle Report
Getting a car insurance quote online
A rate (also known as an insurance premium or premium) is the amount you pay for your insurance policy. Your rate can depend on many factors, including your driving record, the make and model of your car, your ZIP Code, your age and gender, your claims history, and, in certain states, your credit-based insurance score.
See also: Motor Vehicle Report, insurance score, insurance claim report
Auto insurance rates explained
Recreational insurance
Recreational insurance (also known as specialty insurance) is designed to protect recreational vehicles, including ATVs, boats, snowmobiles, and personal watercraft in the event of an accident.
See also: all-terrain vehicle insurance, boat insurance, snowmobile insurance, personal watercraft insurance
ATV insurance quotes
Boat and PWC insurance quotes
Snowmobile insurance quotes
Recreational vehicle insurance
Recreational vehicle insurance (also known as RV insurance) is designed for Class A, B, and C motorhomes, coaches, camper vans, trailers, pop-ups, and toy haulers. A policy can include coverage for the people and valuables inside the vehicle, and can feature vacation liability coverage, full timer's coverage, emergency expense coverage, and more.
See also: boat insurance, all-terrain vehicle insurance
RV insurance quotes
Travel trailer insurance quotes
Registration (also known as vehicle registration) is a mandatory practice in which vehicle owners officially document their vehicles with a governing agency. Typically, a vehicle must be registered through the state's Department of Motor Vehicles.
A car owner may not legally drive his or her vehicle without proper registration.
See also: inspection
Renewal letter
A renewal letter (also known as a policy renewal or renewal slip) is a form that an insurer sends, by mail or electronically, to a policyholder just before the current policy term expires and the next one begins.
A renewal letter also states the premium for the upcoming term.
See also: binder
How do I renew my auto insurance policy?
Renewable term insurance
Renewable term insurance refers to any policy that's eligible for renewal upon the expiration of its current term. If your life insurance policy is renewable, it'll often renew automatically at the end of each term at the same coverage levels so long as the premium has been paid.
Life insurance quotes
Rental car coverage
Rental car coverage is a form of optional car insurance designed to provide coverage for a replacement vehicle while your car is being repaired or is no longer drivable as the result of an accident.
Rental car coverage does not provide extra protection on the rental car itself.
Myth: you need additional rental car insurance coverage
Renters insurance
Renters insurance (also known as renter's insurance or renters' insurance) typically covers you and your belongings against theft, vandalism, liability, and damages caused by hurricanes and fires. If you rent a house, condo, or apartment, renters insurance protects your personal effects, whether they're stored at home, taken with you on vacation, or packed in your car.
See also: home insurance, condominium insurance
Renters insurance quotes
Everything you need to know about renters insurance
Esurance RepairView is an online repair-monitoring service offered to Esurance customers who use an Esurance-approved E-star® facility for their car repairs. Claimants receive daily photos of their car repairs in progress, which they can view or share on any computer, smartphone, or mobile device.
See also: body shop, E-star, smartphone app, adjuster, claim
Esurance RepairView
Replacement cost
Replacement cost is the amount of money necessary to replace damaged, destroyed, or stolen property with a new item.
For example, if you carry optional replacement cost coverage on your home or renters insurance policy and a TV you bought several years ago is destroyed by a covered occurrence, your policy will pay you enough to purchase a brand new TV that's comparable.
If you have actual cash value coverage, on the other hand, your policy will pay an amount equal to the depreciated worth of your older model television, regardless of how much it might cost to replace it.
See also: actual cash value, depreciation
Home insurance coverage
Condo insurance
Renters insurance
Replica car
See kit car.
Roadside assistance
See emergency road service.
Salvage title
A salvage title is typically assigned to a vehicle that has been deemed a total loss at some point in its history because it suffered extensive damages, like water damage. Due to the added risk, coverage can be difficult to obtain for salvage-title cars, and the value of salvage-title vehicles can be significantly lower than clean-title vehicles.
See also: total loss, VIN
Protecting your car from flood damage and filing a claim
Second home
A second home (also known as a vacation home or secondary residence) is any home you own that isn't your primary residence. Second homes are often used as vacation homes, guest houses, or rental properties.
See also: investment property
Homeowners and car insurance
Finding the right home insurance coverage
Condo insurance
Homeowners insurance
Secondary coverage
Secondary coverage (also known as secondary insurance) helps pay for expenses and damages not already covered by your primary coverage.
See also: primary coverage, liability coverage, umbrella insurance
Secondary driver
A secondary driver is an insured driver who isn't a car's primary driver. A secondary driver is sometimes known as an occasional driver in auto insurance terminology.
Scooter insurance
Scooter insurance (also known as moped insurance) is insurance that covers motorized bikes with engines that are smaller than motorcycle engines, such as Vespas. Scooter insurance coverages may include personal liability, collision, and comprehensive. Generally, a motorized bike with an engine smaller than 50 cubic centimeters is considered a scooter.
See also: motorcycle insurance, all-terrain vehicle insurance
Scooter insurance
ATV insurance
SEA-DOO® insurance
SEA-DOO insurance (also known as personal watercraft insurance) is insurance designed to protect your SEA-DOO or other personal watercraft in the event of an accident. A SEA-DOO is a personal watercraft similar to a Jet Ski® or a WaveRunner™.
Personal watercraft insurance quotes
Segway insurance
Segway insurance (also known as Segway scooter insurance) is a form of property and casualty insurance that covers Segway personal transportation devices. Segways are 2-wheeled, self-balancing, motorized scooters riders stand on to operate. Common coverage types, such as liability, collision, and comprehensive, are available on many Segway insurance policies.
See also: scooter insurance, motorcycle insurance, recreational vehicle insurance
Single limit
Single limit coverage (also known as blanket coverage) takes your liability coverage limits and lumps them all together. So, instead of having a $25,000/50,000/25,000 split, you'd simply have a $100,000 limit per accident.
See also: bodily injury liability coverage, limits, liability coverage
What is liability coverage?
Smartphone app
A smartphone app is a mobile software application that you can download and run through an app-capable mobile phone like an iPhone® or an Android™ device.
There are myriad smartphone apps, all designed to perform specified functions. A few common smartphone apps include those dedicated to GPS navigation, games, music, and organization. Esurance offers a free app for iPhone and Android that allows customers to manage policies; file a claim at the accident scene; find repair shops; track repairs; and locate local services like tow trucks, taxis, food, and more.
Esurance mobile app
Snowmobile insurance
Snowmobile insurance (also known as snow mobile insurance) is insurance that you can buy for your snowmobile to protect you and it in the event of an accident. A policy may include injury and property damage liability coverage, as well as comprehensive and collision coverage.
Snowmobile insurance quotes
A specialist, when used as a term in the insurance field, refers to an insurance professional who possesses a distinct and advanced knowledge of a particular type of insurance or company practice. A shopper with in-depth questions regarding car insurance options may seek the advice of a car insurance specialist.
See also: broker, agent
Specialty insurance
See recreational vehicle insurance.
An SR-22 is an official document that shows proof of financial responsibility. Departments of motor vehicles may require an SR-22 or a similar form for people convicted of certain traffic violations, like a DUI. An SR-22 can be filed only in the state your policy is issued in.
If you require an SR-22 on your Esurance policy, please call our customer service team. We can be reached 24 hours a day, 7 days a week at 1-800-ESURANCE (1-800-378-7262).
Car insurance quotes
What's an SR-22? Top 6 Things You Should Know
An SR-26 insurance form is documentation filed by an insurance company when a policyholder no longer requires an SR-22 form or the form expires. The form is sent to the state DMV.
See also: SR-22, uninsured motorist bodily injury coverage, uninsured motorist property damage coverage, underinsured motorist property damage coverage, underinsured motorist bodily injury coverage, uninsured/underinsured bodily injury liability coverage
Stacking (also known as stacked insurance) is an option available in certain states when you buy uninsured/underinsured motorist bodily injury coverage, which changes the limits for this type of coverage.
Some states have unique definitions of stacking, but in most states, stacking uninsured/underinsured motorist bodily injury limits increase by the number of cars you're insuring. If you buy $50,000/$100,000 limits for uninsured/underinsured motorist bodily injury coverage, choose stacking, and insure 2 cars, stacked limits for this coverage then equal $100,000/$200,000.
See also: non-stackable insurance, uninsured motorist bodily injury coverage, underinsured motorist bodily injury coverage
Steering restraint
A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hot-wire," your car's ignition system.
You may qualify for a car insurance discount if your car is fitted with a steering restraint.
See also: antitheft recovery system
Supplemental family member liability coverage
Supplemental family member liability (SFML) is an optional car insurance coverage available only in Maryland. It can offer financial protection if you're found to be at fault in an accident resulting in injury or fatality to a family member.
The amount covered by SFML is equal to the bodily injury limits purchased. If the amount of SFML coverage is less than a policy's bodily injury limits, then it is equal to the state's minimum requirements of 20/40.
If you're in Maryland and would like to add SFML coverage to your quote or policy, please call us at 1-800-ESURANCE (1-800-378-7262).
SUV insurance
See utility vehicle insurance.
Temporary car insurance
Temporary car insurance (also known as short-term car insurance) is coverage that can be bought for a short period of time. For instance, if you get rental car insurance because you don't have your own coverage, that's considered temporary car insurance.
See also: continuously insured, effective date, policy expiration date
Third party
Third party refers to anyone with whom you are involved in an accident. For example, if you get into an accident with another driver, the other driver would be legally considered the third party and his or her insurance would be called third-party insurance.
See also: primary policyholder
Who should report an auto insurance claim?
Three-wheeler insurance
See all-terrain vehicle insurance.
See citation.
Trip transit policy
A trip transit policy is coverage established for one specific shipment you're making. This is not to be confused with transit insurance or inland marine insurance, which cover multiple shipments made by a policyholder.
Tort law
A tort is a civil wrong in which a person's behavior has unfairly caused someone else to suffer loss or harm. Tort law, therefore, allows someone who is harmed to recover their losses.
When purchasing auto insurance in certain states, like New Jersey or Pennsylvania, you will be asked to choose either "limited tort" or "full tort." With limited tort, you give up the right to sue for compensation for pain and suffering if you are injured in a car accident — typically in exchange for savings on your car insurance premium.
With full tort, you are legally permitted to seek money for your pain and suffering due to any injury you receive in a car accident so long as you were not at fault. The full tort option typically raises your car insurance premium compared to the limited tort option.
Total loss
Total loss (also known as totaled or complete loss) refers to a situation in which an insured item suffers irreparable damage.
For example, if the cost to repair a wrecked car is more than 75 percent of its total value, the vehicle could be deemed a total loss. When this happens, the insurance company generally pays the policyholder a monetary amount that equals the total value of the damaged property before the accident, as determined by an adjuster.
See also: body shop, RepairView®, claim, adjuster, salvage title
Tow coverage
Tow coverage (also known as towing reimbursement coverage) is a benefit of roadside assistance coverage that pays the towing expenses for any covered vehicle, up to the defined limit. In most instances, the insured pays for the tow up front and provides his or her insurance company with the receipt. The insurance company then reimburses the policyholder for the towing cost.
See also: roadside assistance
What is emergency road service and how does it work?
Travel trailer insurance
Travel trailer insurance is insurance you can buy to protect your travel trailer in the event of an accident. Travel trailer insurance can cover vacation liability coverage, full timer's coverage, emergency expense coverage, and more.
Travel trailer insurance quotes
RV insurance quotes
Umbrella insurance
Umbrella insurance (also known as personal umbrella insurance or a personal umbrella policy) provides personal liability coverage for situations not covered or inadequately covered by a policyholder's other insurance policies. Umbrella insurance can also cover court fees and legal costs in the event of a lawsuit.
See also: personal liability, bodily injury, medical payments coverage, secondary coverage
What is liability coverage?
Underinsured motorist bodily injury coverage
Underinsured motorist bodily injury coverage (also known as UMBI) can help pay for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient car insurance coverage. It typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit.
The amount covered by underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy. Underinsured motorist bodily injury coverage is available only in certain states, where it's often mandatory.
See also: uninsured/underinsured motorist bodily injury coverage
What is underinsured motorist bodily injury coverage?
Underinsured motorist property damage
Underinsured motorist property damage (also known as UMPD) coverage is mandatory in some states and optional in others. It can help pay for your own property's repairs when the at-fault driver's liability limit is exceeded.
In other words, if an underinsured driver causes major damage to your car but doesn't have enough insurance to cover the cost of repairs, UMPD can kick in to help cover the cost. UMPD does not apply in hit-and-run situations since the identity of the other driver is unknown.
See also: liability coverage
Uninsured motorist bodily injury coverage
Uninsured motorist bodily injury coverage (also known as UMBI) is available in some states, where it's often mandatory.
This kind of car insurance coverage pays for your medical expenses, lost wages, and other general damages when you or your passengers are injured in an accident caused by a driver who has no car insurance. Uninsured motorist coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
Myth: uninsured coverage isn't necessary
Uninsured motorist property damage coverage
Uninsured motorist property damage coverage (also known as UMPD) is often mandatory in states where it's available.
This kind of car insurance coverage protects you if your vehicle is damaged in an accident caused by a driver who has no car insurance. Other protection afforded by this type of auto insurance coverage varies from state to state.
The amount covered by uninsured motorist property damage is capped at the limit you choose when you buy your auto insurance policy.
What if my car is hit by an uninsured driver?
Uninsured/underinsured motorist bodily injury coverage
In some states, both uninsured and underinsured motorist bodily injury are bundled into a single coverage. In states where this type of car insurance coverage is offered, it may be mandatory.
This kind of auto insurance coverage pays for your medical expenses, lost wages, and other damages when you or your passengers are injured in an accident caused by a driver who doesn't have enough car insurance or who completely lacks auto insurance coverage. This type of auto insurance coverage also pays for injuries sustained in hit-and-run accidents.
The amount covered by uninsured/underinsured motorist bodily injury is capped at the limit you choose when you buy your auto insurance policy.
An underwriter assesses submitted insurance applications and determines whether to provide coverage and, if so, at what price and under what terms.
See also: agent, broker, actuary
Usage-based insurance
Usage-based insurance is a form of car insurance that uses data on your driving habits collected by a telematics device (similar to OnStar®) to calculate your premium. The type of data gathered may vary based on the insurer's standards, but can include time spent driving, miles driven, braking habits, and more.
By basing your premium on how you drive, rather than on the habits of drivers like you, usage-based insurance may offer you a more accurately personalized premium.
See also: deductible, defensive driver and driver improvement courses
Does Esurance offer low mileage discounts?
Utility vehicle insurance
Utility vehicle insurance (also known as SUV insurance or sport utility vehicle insurance) is a form of car insurance that specifically covers utility vehicles. Often called SUVs (short for sport utility vehicles), utility vehicles are generally truck- or van-like, 4-wheel drive, high-performance automobiles originally designed for off-road use. Common types of utility vehicle coverages include liability, collision, and comprehensive.
See also: travel trailer insurance, recreational vehicle insurance, commercial vehicle
Get a quote for your SUV or light truck
Vehicle history report
A vehicle history report contains records associated with an automobile's Vehicle Identification Number (VIN). This information can include past owners, accidents, total loss declarations, repairs, and other facts.
See also: CARFAX, depreciation, salvage title, Vehicle Identification Number
Where can I get my car inspected for damage?
Vehicle insurance
Vehicle registration
See registration.
Vehicular coverage
Vehicular coverage refers to the part of an insurance policy that covers damages to the policyholder's vehicle. This generally includes collision and comprehensive coverages.
See also: collision coverage, comprehensive coverage, liability coverage
Myth: comprehensive insurance covers everything
Vehicle Identification Number
The Vehicle Identification Number (also know as the VIN) is the unique 17-digit number found on each car. The VIN contains the vehicle's serial number, as well as abbreviations for the make, model, and year.
Your VIN appears on your vehicle registration card. It's also engraved on your car, near the base of the windshield on the driver's side dashboard and/or on the edge of the driver's side door.
Though you don't need to enter your VIN when you get a car insurance quote from Esurance, you will need to provide your car's VIN when you buy your car insurance policy.
Verbal threshold
In no-fault states, a verbal threshold indicates that no-fault coverage applies up to a certain point. In other words, it precludes policyholders from suing for bodily injuries sustained in a car accident unless the degree of injury exceeds the threshold.
See also: monetary threshold, no-fault insurance, no-fault states
Minimum auto insurance requirements by state
A Vespa is a brand of scooter manufactured in Italy.
See also: scooter insurance
See Vehicle Identification Number.
Vintage cars
The Classic Car Club of America defines vintage cars as vehicles made between 1919 and 1930.
See also: collector cars, brass era, antique cars, classic cars
Collector and classic car insurance
Classic car insurance coverage options
WaveRunner® insurance
WaveRunner insurance (also known as personal watercraft insurance) is insurance designed to protect your WaveRunner or other personal watercraft in the event of an accident.
A WaveRunner is a trademarked personal watercraft manufactured by Yamaha. Like Kawasaki's Jet Ski®, a WaveRunner is powered by a jet propulsion system that lets its rider easily cover vast expanses of water.
Work vehicle
See commercial vehicle.
Young driver
A young driver, sometimes referred to as a teen driver, is typically a licensed driver under the age of 25. Because of their inexperience, young drivers may pay more for car insurance than more experienced drivers.
See also: secondary driver
Teen drivers and auto insurance
Young driver car insurance basics
10 tips for young drivers (and their parents)
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Sprint CEO takes pay cut as investors voice concern about cost of iPhone dealSaturday, May 5th, 2012
Sprint Nextel's $15.5 billion gamble on Apple's iPhone will apparently lighten CEO Dan Hesse's proverbial wallet by $3.25 million this year. That's how much compensation Hesse agreed to give back to help placate investors unhappy about the high cost of the company's iPhone deal. Securing the iPhone has already paid dividends for Sprint in terms of sales. The company sold 1.5 million iPhones in the first quarter while posting a net subscriber growth of 263,000. That didn't stop Sprint from posting an $863 million net loss during the same period, however, causing some investors to grumble about the cost of subsidizing Apple's phone. The subsidy Sprint pays for each iPhone is 40 percent higher — about $200 — than what the company pays for other competing devices. Don't feel too bad for Hesse, though. Apparently, the financial gesture basically brings back his "compensation target opportunities" to 2010 levels.
Sprint CEO takes pay cut as investors voice concern about cost of iPhone deal originally appeared on Engadget on Sat, 05 May 2012 16:51:00 EDT. Please see our terms for use of feeds.
Permalink | Reuters | Email this | CommentsMail this post

subset: commoncrawl


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An Van Camp, curator, British Museum
If you visit Room 90 on the fourth floor here at the British Museum, you will find a display of some of the stranger prints in our collection. Hercules Segers and his printed paintings, is on show just outside the study room of the Prints and Drawings department and is a rare outing of the unusual and weird-looking etchings created by this visionary printmaker. Honestly, they attract the amazement of everyone who lays eyes on them.
Hercules Segers lived and worked at the beginning of the seventeenth century. He created prints that looked completely different from anything that came before. While other printmakers tried to make identical impressions of their engraved works in order to distribute them to a large market, Segers wanted to create unique works of art.
Every single one of his prints looks entirely different from any other one and the eeriness and desolation they emit makes them stand out from other artists' work from the same period. This is because, after the printing process, Seger's hand-coloured most of his works in a wide range of colours, from aubergine purple to olive green (see Distant view with a mossy tree branch: S.5528), while the etched lines are often printed in blues, greens or even bright turquoise (see River valley with a waterfall: S.5519). While most prints of the time were made by applying black to white background, he went against the grain and printed one of his etchings in white on a black background (see Ruins of the Abbey of Rijnsburg: 1854,0628.73).
Segers also invented a completely new printmaking technique called sugar-lift etching, creating darker areas within the landscapes which look grainy upon closer inspection and evoke a sense of the supernatural (see Rocky mountains with a plateau: S.5521).
It is no surprise that when I became curator of Dutch and Flemish drawings and prints in 2010 I was itching to share my passion for this eccentric artist with the Museum's visitors who I am sure will grow to love his colourful works.
Hercules Segers and his printed paintings is in Room 90 until 16 May, and An Van Camp will be giving a gallery talk on 3 May.
Read more about Segers' printmaking techniques.
Filed under: Collection, Exhibitions, What's on, Hercules Segers, prints


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|Found 5 Cookbooks
|Revise this Search New Search
Cake Walkby Mama Gina My personal collection of cake recipes. Including instructions on how to make icings, fondant, decorations, etc. Recipes..
Cost: $2.99
Adapting to Allergies: Easy Recipes for a Safe and Healthy H..by nvh Don't let food allergies---or other dietary restrictions like lactose intolerance or oral allergy syndrome---dampen th..
Cost: $9.99
Basic Blends: Healthy Juicing Recipesby healthyharmony BASIC BLENDS: HEALTHY JUICING RECIPES Nature provides its own containers for healthy juices: fresh fruits & vegetabl..
Cost: $0.99
Have Your Cake and EAT IT TOO! Allergen-Free Desserts Every..by Caterina's Kitchen $1 of the sale of each book will be donated to the Canadian Cancer Foundation, in memory of my brother Claudio who passe..
Cost: $4.99
Gluten Free Passover Cookbook for Jewish Celiacs at Pesahby GlutenFreeMatzo.com This recipe is for CHAROSET and is a PREVIEW of our cookbook. We have 90+ more GlutenFree Passover Recipes in our pr..
Cost: FREE


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Have you ever wondered what happens behind the scenes at a Lady Gaga show, or what happens before and after? Well it's about time you found out!
Terry Richardson was on hand to document all the backstage goodness that goes on, as well as a few of the shenanigans following the show.
STORY: GAGA STRIKES BACK! Tells Madonna "We Don't Give A F*ck!"
Gaga didn't make it easy for Terry though; she had him come all the way out to the Finnish leg of her tour at her Born This Way Ball show in Helsinki, Finland.
PHOTOS: Amber Heard Gets Up Close & Sexy With Terry Richardson
Terry was on hand to capture everything from the beginning to the bitter end, and what was left in between.
You can check out everything that went on behind the scenes of Lady Gaga's Born This Way Ball show in Finland as captured by Terry Richardson in the gallery above!
SOURCE: TerrysDiary.com


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Wim Wenders doesn't have any movies playing in theaters.
If you feel like heading out, check out other movies in theaters.
Every Thing Will Be Fine
Der Stand der Dinge
The Way I Spent the End of the World
Lisbon Story
Helsinki Napoli All Night Long
Musica Cubana
Radio On
Edgar G. Ulmer: The Man Off-Screen
Movies.com, the ultimate source for everything movies, is your destination for new movie trailers, reviews, photos, times, tickets + more! Stay in the know with the latest movie news and cast interviews at Movies.com.
Copyright © 2017 FANDANGO MOVIES.


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FlashGet  184.108.40.2062
* No MAX jobs limit for BT Torrent file.
* Fixed bug in certain situation that popped up Add New Download window when clicking on torrent file
* Fixed bug regarding category management that could create categories which enabled not to conform Windows name criteria.
* Fixed bug regarding category management that enabled to create same categories.
* Fixed bug that called FlashGet when closing eMule module and clicking eMule link.
* Other improvements


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Nike Wild Trail Lightweight Trail Running Shoe - Mens
Looks like you've got more shoe shopping to do - have fun!
Venture off the beaten path during your daily runs in the men's Nike Wild Trail. These lightweight trail running shoes have pretty pops of color and environmentally preferred rubber outsole with waffle pattern for superior traction and durability.
This men's running shoe is best for the neutral runner. What is pronation?
- Breathable mesh upper with leather overlays for structured support
- Lace-up closure
- Heel pull tab for easy on/off
- Padded collar for comfort
- Breathable fabric lining
- Removable contoured Fitsole™ insole provides excellent underfoot cushioning
- Molded EVA midsole provides lightweight cushioning
- Environmentally-preferred rubber outsole with waffle pattern
- Flex grooves for enhanced flexibility and a smoother stride
- Weight: 9.2 oz. (men's size 9)
- Imported
- View more Nike
*Your pronation type is determined by the natural motion your feet apply throughout your running gait. When you pronate your foot rolls from either the outer edge, inner edge or not at all. If your foot rolls to the outer edge when you run, you are an underpronator, if it rolls to the inner edge you are a overpronator and if your foot doesn't roll at all you are a neutral or stable runner.
Find the the best running shoe for your pronation type:


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By PATSY STODDARDEditor
It's been around a few years since 1974 and many hundreds of games have been played at the Huntington softball complex. It's now time to put some money into the complex and make some renovations which will keep Emery County ball players happy well into the future.
A grant from the Community Impact Board for $400,000 and project money from the Local Building Authority of Emery County in the amount of $500,000 will fund the project.
Jake Atwood, the Emery County Recreation Director will oversee the project as well as the recreation board and the LBA.
County Attorney David Blackwell will draft an agreement which outlines both parties role in the project. The money will be placed in an escrow account. As work is completed, the money will be reimbursed to the entities involved from this account.
Atwood said he would also like to find sponsors for the project so they can make the project money go further.
"We hope to make it a multi-use complex. We have formed a committee with members from girls softball, baseball, soccer and flag football and other users of the complex. We are working with Johansen and Tuttle as the engineers for the project and they are ready to move forward with preliminary drafts and design. We hope to start in October," said Atwood.
The recommendations of the committee will go to the recreation board for review.
The fields will be redone completely with leveling, new dirt in the infields, sprinklers and new top soil and grass in the outfields.
The restrooms and concession stand will be remodeled and enlarged.
There will be no use of the fields during the 2014 season while the work takes place.
New irrigation will be installed and electronic scoreboards.
Atwood said the improvements are a long time coming but it will be worth the wait as the facility becomes more multi-use friendly for all the different kinds of sports the recreation district has to offer.


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item(s) in cart
MotorGuide Removable Mounting Plate
Key Features
Makes removing your motor simple
Fits most trolling motor mounts
Our Price $97.99
- details
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Product DescriptionMade out of a high-impact composite, these mounting plates make removing your trolling motor and mount fast and simple. The universal hole-patterns fit most traditional trolling motor mounts and all traditional MotorGuide trolling motor mounts. Fits Gator Flex 360, Gator 20.5, 20.8, 21, and 21R mounts and can be modified by adding additional holes to fit the longer 23.5 and 24 mounts. The smaller insert piece is secured to the boat with stainless steel bolts, washers, and nylon lock nuts. The larger outside piece slides into place from the front of the boat and is held in place by a stainless steel pin that runs through both pieces at the back of the mount.


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The fresh nut taste
Callebaut® selects only the finest quality nuts from the best orchards all over the world. The nuts are picked at the right moment when ripe and stored in ideal conditions in their shells to preserve the great taste, freshness and their natural properties.
In only 12 hours after shelling, we briefly roast the nuts to keep the delicate aromas and instantly vacuum-pack them to guarantee absolute freshness. For our croquants and pralines, the nuts are caramelized, ground and conched before packing.
The results are great nut products with a unique fresh and natural taste.
Thanks to the unique combination of flavours and textures, nuts are a real indulgence and stimulate the taste experience. Almonds and hazelnuts are the worldwide favourites, whereas pecan, pistachio and other nuts drive taste innovations. Whether you choose crisp whole nuts and broken nuts, crunchy brésilienne and caramelised croquants or the creaminess of pure nut paste and pralines… each nut product gives your creations a great taste and texture.
Food professionals are excited about the great flavours and textures and 100% natural character of nuts. But in addition to the inspiring possibilities, they also expect consistent quality and absolute freshness. Thanks to the minimal processing and vacuum-packing in merely 12 hours after shelling, Callebaut® guarantees the best nut products food professionals can rely on.