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| Baltimore | | Make sure you have a new policy in | | Replacement: A new policy written to |
| Dothan | | place before you cancel your old one | | take the place of one currently in force. |
| Springfield | | to avoid a lapse in coverage. This will | | |
| Vineland | | also prevent having to figure out the | | Partnership Entity: The partnership |
| Brooklyn | | amount of any unused premium that is | | considered as an entity and not in |
| Rockford | | due to you from your old insurance | | terms of its individual part-owners. |
| Lake Charles | | company, or having to spar with your | | |
| Charlotte | | agent about exactly when your policy | | Indemnity: Restoration to the victim of |
| Cedar Rapids | | was cancelled and how much they | | a loss by payment, repair, or |
| Lubbock | | owe you. | | replacement. |