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Online Casino gratis bonus new games Claim — A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. Casualty Insurance — A type of insurance that is primarily concerned with losses caused by injuries to persons and legal liability imposed upon the insured for such injury or for damage to property of others. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee. Ooops… Looks like the page moved. Property Insurance — Indemnifies an insured whose property is stolen, damaged, or destroyed by a covered peril. Independent insurance adjusters are hired by insurance companies on an "as needed" basis and might work for several companies at the same time. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. Personal Injury Protection — Pays basic expenses for an insured and his or her family in states with no-fault Auto insurance. Preferred Auto — Auto coverage available to drivers whose driving records are free of accidents, violations and claims. The company does not have the right to cancel coverage except for nonpayment of premiums by the policy owner; however, the company can raise rates if they choose. Auto Insurance — A form of insurance that covers losses for which the insured is liable as a result of owning or operating an automobile. Insurance Adjuster — A representative of the insurer who seeks to determine the extent of the insurer's liability for loss when a claim is submitted. If a premium is paid during the grace period, the premium is considered to have been paid on time. Grace Period — The length of time usually 31 days after a premium is due and unpaid, during which the policy and all riders remain in force. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element like whole life insurance which is invested to provide a cash value buildup. Premium — The price of insurance protection for a specified risk for a specified period of time.