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| White Plains | | The best time to switch policies is | | Insurance Examiner: The |
| Augusta | | within one month of receiving your | | representative of a state insurance |
| Tucson | | policy renewal from your current | | department assigned to participate in |
| Rockford | | insurer. You can typically cancel your | | the official audit and examination of |
| Durham | | policy without any fees or penalties if | | an insurer. |
| Canton | | you act within this time period. | | |
| Longmont | | | | Retrospective Premium: The final |
| Plano | | Make sure you have a new policy in | | premium in a retrospective rating |
| Pasadena | | place before you cancel your old one | | plan. See Retrospective Rating. |
| High Point | | to avoid a lapse in coverage. This will | | |
| Turlock | | also prevent having to figure out the | | You/Your: These words are used to |
| Rapid City | | amount of any unused premium that is | | refer to the named insured in many of |
| Jacksonville | | due to you from your old insurance | | the modernized/personalized policy |
| Gainesville | | company, or having to spar with your | | forms. |
| Los Angeles | | agent about exactly when your policy | | |
| Athens | | was cancelled and how much they | | Malicious Mischief: Similar to |
| Olympia | | owe you. | | vandalism. Purposely damaging the |
| Irvine | | | | rights or property of another. |
| Arlington | | If you decide to cancel your policy | | |
| Corpus Christi | | (after acquiring new coverage) | | Not Taken: Policies applied for and |
| Hickory | | outside of the 30-day period, you may | | issued but rejected by the proposed |
| Newark | | have to pay a fee or penalty. | | owner and not paid for. |
| El Paso | | However, you may still save money | | |
| Salt Lake City | | after paying the fee if your new policy | | Professional Insurance Agents |
| Boise | | affords you significant savings. So | | Association: A trade association of |
| Malden | | while it is best to wait until your | | mutual insurance agents. |
| Edison | | receive your renewal notice, you CAN | | |
| Vancouver | | cancel your policy at any time. | | War Risk Insurance: Insurance |
| Boca Raton | | | | covering damage caused by war. |
| Valdosta | | People who are trying to quit | | Most often written by Ocean Marine |
| Columbia | | smoking, for example, might be best | | Insurance companies covering |
| Norwalk | | suited purchasing a shorter term (and | | vessels. |
| Norwalk | | then replacing it with a longer term | | |
| Norwalk | | policy when they qualify for | | Approved: The condition which exists |
| Green Bay | | non-tobacco prices). | | when the person or object to be |
| Rochester | | | | insured meets the underwriting |
| Honolulu | | | | standards of the insurer. |
