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| Metairie | | People who are trying to quit | | Public Adjuster: An insurance adjuster |
| Minneapolis | | smoking, for example, might be best | | who represents an insured on a fee |
| Lawton | | suited purchasing a shorter term (and | | basis in claims settlement. Contrast |
| Sacramento | | then replacing it with a longer term | | with Independent Adjuster. |
| Allentown | | policy when they qualify for | | |
| Corona | | non-tobacco prices). | | Partial Loss: A loss covered by an |
| Bakersfield | | | | insurance policy which does not |
| High Point | | The quickest and easiest way to | | completely destroy or render |
| Fort Lauderdale | | shop for new insurance is by | | worthless the insured property. |
| Bay City | | comparing rates at InsWebs online | | |
| Beaumont | | marketplace. If you do it the | | Paid-In Surplus: Surplus paid in by |
| Chula Vista | | old-fashioned way (by calling or | | stockholders, as contrasted with |
| Lawrenceville | | visiting multiple agents or insurance | | surplus earned through the |
| Atlanta | | companies) it could take up a huge | | operations of a business. |
| Rome | | chunk of your time, which no one | | |
| Tallahassee | | wants or needs. By completing | | Professional Insurance Agents |
| Palo Alto | | InsWebs online application, you will | | Association: A trade association of |
| Fort Smith | | have rates to compare to your old | | mutual insurance agents. |
| Saginaw | | ones within minutes! | | |
| El Paso | | | | Gross Line: The total limit accepted |
| Killeen | | The best time to switch policies is | | by an insurer on an individual risk, |
| Rochester | | within one month of receiving your | | including the amount to be reinsured. |
| Joliet | | policy renewal from your current | | |
| Cape Coral | | insurer. You can typically cancel your | | Deficit Carried Forward: The transfer |
| Columbus | | policy without any fees or penalties if | | of a debit balance from one |
| Dubuque | | you act within this time period. | | accounting period to another. |
