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| Tempe | | Why not take advantage of current | | Insurance to Value: Insurance written |
| Salt Lake City | | low prices? Many auto insurance | | in an amount approximating the value |
| Tampa | | consumers are becoming educated | | of the property insured. |
| Tampa | | on other companies, plans, and rates | | |
| Omaha | | that are available to them; ones that | | Insurance Examiner: The |
| Columbia | | could afford them significant savings | | representative of a state insurance |
| Fayetteville | | on their auto insurance. | | department assigned to participate in |
| Little Rock | | | | the official audit and examination of |
| Glendale | | Individuals who have 30-year | | an insurer. |
| Palm Desert | | mortgages might want to consider a | | |
| Joliet | | 30-year term to ensure that the house | | Legislative Risk: A risk faced by |
| Lakewood | | is protected throughout the period of | | investors whereby changes in tax |
| Milwaukee | | the loan. | | laws can result in adverse effects on |
| Portland | | | | the individual's investment results. |
| Rockville | | If you have noticed that your auto | | |
| Pompano Beach | | insurance rates are still increasing | | Broker-Agent: One acting as an agent |
| Lorain | | with each renewal, or even have not | | of one or more insurers and as a |
| Springfield | | gone down even though you have a | | broker in dealing with one or more |
| Lafayette | | great driving record, this lower pricing | | other insurers. |
| Glendale | | trend makes it more important then | | |
| Anchorage | | ever that you shop around for auto | | Losses Incurred: The total losses, |
| St. Louis | | insurance. | | whether paid or not, sustained by an |
| Gaithersburg | | | | insurer during a given period, e.g., 12 |
| Fort Worth | | Make sure you have a new policy in | | months. |
| Flint | | place before you cancel your old one | | |
| Canton | | to avoid a lapse in coverage. This will | | Fictitious Groups: Groups formed |
| Woodbridge | | also prevent having to figure out the | | primarily for the purpose of buying |
| Lowell | | amount of any unused premium that is | | insurance. Under the law such groups |
| Oakland | | due to you from your old insurance | | may not be underwritten. |
| San Francisco | | company, or having to spar with your | | |
| Corona | | agent about exactly when your policy | | Accidental Bodily Injury: An injury |
| El Paso | | was cancelled and how much they | | sustained accidentally. Only the result |
| Coral Springs | | owe you. | | need be accidental. Contrast with |
| Syracuse | | | | Accidental Means. |
