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| Seattle | | Make sure you have a new policy in | | Malicious Mischief: Similar to |
| Lexington | | place before you cancel your old one | | vandalism. Purposely damaging the |
| Cedar Rapids | | to avoid a lapse in coverage. This will | | rights or property of another. |
| Springfield | | also prevent having to figure out the | | |
| Akron | | amount of any unused premium that is | | Book Value: Refers to the value of |
| Muncie | | due to you from your old insurance | | assets as shown in the official |
| Lima | | company, or having to spar with your | | accounting records of the company. |
| Stamford | | agent about exactly when your policy | | |
| Lubbock | | was cancelled and how much they | | Borderline Risk: An insurance |
| Portland | | owe you. | | prospect of doubtful quality from an |
| Morristown | | | | underwriting point of view. |
| West Palm Beach | | People who are trying to quit | | |
| Miami | | smoking, for example, might be best | | Loss Adjustment Expense: The cost |
| Fullerton | | suited purchasing a shorter term (and | | of adjusting losses, excluding the |
| Sacramento | | then replacing it with a longer term | | amount of the loss itself. |
| Clearwater | | policy when they qualify for | | |
| Santa Ana | | non-tobacco prices). | | Interstate Carrier: A transportation |
| Nashville | | | | company which does business |
| Lancaster | | Individuals who have 30-year | | across state lines. |
| Chattanooga | | mortgages might want to consider a | | |
| Eugene | | 30-year term to ensure that the house | | Open Rating: A system whereby a |
| Lake Worth | | is protected throughout the period of | | state allows an insurer to use rates |
| Anderson | | the loan. | | without prior approval. |
