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| Grand Rapids | | If you have noticed that your auto | | Lloyd's Broker: A person who has the |
| Los Angeles | | insurance rates are still increasing | | authority to negotiate insurance |
| Austin | | with each renewal, or even have not | | contracts with the underwriters on the |
| Kansas City | | gone down even though you have a | | floor at Lloyd's. |
| Turlock | | great driving record, this lower pricing | | |
| Melbourne | | trend makes it more important then | | Malinger: To feign a disability for the |
| Yonkers | | ever that you shop around for auto | | purpose of continuing to collect |
| Scranton | | insurance. | | benefits longer than actually |
| Cedar Rapids | | | | necessary. |
| Baton Rouge | | If you decide to cancel your policy | | |
| Hollywood | | (after acquiring new coverage) | | Incurred Expense: Expenses not yet |
| Lake Charles | | outside of the 30-day period, you may | | paid. Can also include paid |
| Palm Harbor | | have to pay a fee or penalty. | | expenses in some accounting |
| Davenport | | However, you may still save money | | systems. |
| Texarkana | | after paying the fee if your new policy | | |
| Brooklyn | | affords you significant savings. So | | Coding: A method of putting |
| Jacksonville | | while it is best to wait until your | | information into a numerical form for |
| Mobile | | receive your renewal notice, you CAN | | statistical use. Most information on |
| Reading | | cancel your policy at any time. | | policies is coded and then put into |
| New Orleans | | | | reports. |
| Rockville | | Healthy people have the best | | |
| Grand Rapids | | mortality risks and thus are much | | Nonassignable: A policy that the |
| Rome | | cheaper for companies to insure. This | | owner cannot assign to a third party. |
| Amarillo | | translates into lower rates for the | | Most policies are nonassignable |
| Alameda | | Super Preferred customer than | | unless approval is given by the |
| Orange Park | | someone with higher risk factors such | | insurer. |
| Schaumburg | | as a heart condition, cancer or | | |
| Harrisburg | | diabetes. Conversely, if you were | | Mandatory Valuation Reserve: A |
| Fort Worth | | unhealthy when you acquired your | | reserve required by a state law to |
| Naperville | | policy, and your health has now | | offset any declines in the valuation of |
| Johnson City | | improved, it might be time to shop for | | securities listed as admitted assets. |
| Green Bay | | a new policy, as your rates are likely | | |
| Chesapeake | | to be lower. | | Malicious Mischief: Similar to |
| Redlands | | | | vandalism. Purposely damaging the |
| Franklin | | | | rights or property of another. |
