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| Portland | | People who are trying to quit | | Valuation Clause: A clause stating the |
| Akron | | smoking, for example, might be best | | value of items for insurance |
| Modesto | | suited purchasing a shorter term (and | | purposes, making it a valued policy. |
| Salt Lake City | | then replacing it with a longer term | | |
| Longwood | | policy when they qualify for | | Index Bureau Experience: A measure |
| Boca Raton | | non-tobacco prices). | | of losses relating to claims reported |
| Jackson | | | | through a claim office during a |
| Hickory | | Make sure you have a new policy in | | 12-month period. |
| Erie | | place before you cancel your old one | | |
| Mesa | | to avoid a lapse in coverage. This will | | Deductible: The portion of an insured |
| Akron | | also prevent having to figure out the | | loss to be borne by the insured |
| Union | | amount of any unused premium that is | | before he is entitled to recovery from |
| Albany | | due to you from your old insurance | | the insurer. |
| Panama City | | company, or having to spar with your | | |
| Hattiesburg | | agent about exactly when your policy | | Paid-In Surplus: Surplus paid in by |
| Portsmouth | | was cancelled and how much they | | stockholders, as contrasted with |
| Sacramento | | owe you. | | surplus earned through the |
| Toledo | | | | operations of a business. |
| Littleton | | If you have noticed that your auto | | |
| Grand Rapids | | insurance rates are still increasing | | Policywriting Agent: An agent who has |
| Lawrenceville | | with each renewal, or even have not | | the authority to prepare and effect an |
| Mansfield | | gone down even though you have a | | insurer's policy. |
| York | | great driving record, this lower pricing | | |
| Sioux Falls | | trend makes it more important then | | Amendment: A formal document |
| Hartford | | ever that you shop around for auto | | which corrects or revises an |
| Hattiesburg | | insurance. | | insurance master policy. |
