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| Glendale | | The quickest and easiest way to | | Indemnity: Restoration to the victim of |
| Mesa | | shop for new insurance is by | | a loss by payment, repair, or |
| Dubuque | | comparing rates at InsWebs online | | replacement. |
| Sarasota | | marketplace. If you do it the | | |
| Boynton Beach | | old-fashioned way (by calling or | | Adjustment Bureau: A firm organized |
| Stockton | | visiting multiple agents or insurance | | to provide adjustment services to |
| Hartford | | companies) it could take up a huge | | insurers not wishing to create their |
| Mobile | | chunk of your time, which no one | | own claims division. |
| Pittsburgh | | wants or needs. By completing | | |
| Nashua | | InsWebs online application, you will | | Accidental Bodily Injury: An injury |
| Erie | | have rates to compare to your old | | sustained accidentally. Only the result |
| Columbus | | ones within minutes! | | need be accidental. Contrast with |
| Jersey City | | | | Accidental Means. |
| Eugene | | Life insurance, specifically Term Life, | | |
| Fort Worth | | is arguably one of the best values in | | Effective Date: The date on which the |
| Gainesville | | the entire financial services arena. | | protection of an insurance policy or |
| Billings | | Where else can you go and get | | bond goes into effect. |
| Harrisburg | | hundreds of thousands of dollars in | | |
| San Bernardino | | protection for literally pennies per | | Building Code: This refers to |
| Aurora | | day? Rates for Term Life insurance | | municipal or other governmental |
| Columbia | | remain at all-time lows, and now is the | | ordinances regulating the type of |
| Wichita Falls | | time to lock in the best prices. | | construction of buildings within its |
| Cherry Hill | | | | jurisdiction. |
| Florissant | | Why not take advantage of current | | |
| Clarksville | | low prices? Many auto insurance | | Claim: A demand made by the |
| Westbury | | consumers are becoming educated | | insured, or the insured's beneficiary, |
| Fresno | | on other companies, plans, and rates | | for payment of the benefits provided |
| Sacramento | | that are available to them; ones that | | by the contract. |
| Bay City | | could afford them significant savings | | |
| Santa Clara | | on their auto insurance. | | Retrospective Premium: The final |
| Tallahassee | | | | premium in a retrospective rating |
| Beaumont | | The best time to switch policies is | | plan. See Retrospective Rating. |
| Ocala | | within one month of receiving your | | |
| Council Bluffs | | policy renewal from your current | | Exclusion: A contractual provision that |
| Beaumont | | insurer. You can typically cancel your | | denies coverage for certain perils, |
| Longview | | policy without any fees or penalties if | | persons, property, or locations. |
| Columbia | | you act within this time period. | | |
