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Replacement Cost — The dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy. Named Insured — The person or entity listed on a policy declarations page. Additionally, a Not Found error was encountered while trying to use an ErrorDocument to handle the request. This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Formally we write this as: Hit Counter provided by brochure holders. Also shown is an orthogonal coordinate system whose axes I labelled x and y. Waiting Period - See Elimination Period. Personal Umbrella Policy — Coverage for losses above the limit of an underlying policy such as Homeowners or Auto insurance. So, here is the problem as depicted in Figure 3. Hazardous Activity — Bungee jumping, scuba diving, horse riding and other dangerous activities are not generally covered by standard insurance policies.

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The result is that we have replaced the original three forces by six new forces, of which three are aligned with the x-axis and three with the y-axis of our coordinate system. In the Figures 3. Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy. Primary insurance acts as the first layer of coverage on common types of losses. The angle used as argument of the cosine function is always determined by going on an arc from the positive x-axis in counter-clockwise direction towards the force of which you want to determine the x-component. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. His empty pack weighed more than my full pack! Insurance Attorney - An attorney who practices the law as it relates to insurance matters. Proudly powered by WordPress. Not Found Apologies, but the page you requested could not be found. Two programs are available for you. Cruz de Fero and the high point on the Camino. For individual claims, the loss reserve is the estimate of what will ultimately be paid out on that claim. Problems Klick on any of the problem titles below. Auto Theft — Theft of an auto is a type of loss covered under comprehensive coverage. Inflation Protection — An optional property coverage endorsement that increases the limits of insurance during the policy term to keep pace with inflation. Taking into account ALL of the forces acting on a particular body is not always an easy task. Use the graphical output to visualize magnitude and direction of the resultant or equilibrium force changing one of the given forces. The first determines the resultant of up to 10 forces , the second program calculates that force which is necessary to hold a body in equilibrium against up to 10 forces of your choice.

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