Policy
The contract form issued by the company to explain the coverage provided. It is a legal document.

Comprehensive Coverage
Coverage that pays for damage to or the loss of your vehicle from causes other than collision.

Personal Injury Protection
This is a mandatory no fault coverage for automobile insurance providing benefits including, but not limited to, medical expenses, loss of income resulting from an automobile accident, and essential services.

Liability Limits
The sum or sums beyond which a liability insurance company does not protect the insured on a particular policy, similar to limit of liability.

Underwriter
A person trained in evaluating risks and determining what rates and coverages that will be used for them.

Waiting Period
The period of time between the beginning of a disability and the date benefits begin.

Additional Initial Claim
An additional unemployment claim filed after a break in unemployment claims, which results from an intervening employment period within the benefit year.

Lapse
Termination of a policy because of failure to pay the premium.

Credit Life Insurance
Life insurance coverage on a borrower designed to repay the balance of a loan if the borrower dies before the loan is paid off. It can also be offered as an option for credit cards and auto loans.

Property Damage Liability
Pays for damage to another person's car or property such as fences, buildings, utility poles, signs, and trees. Utah law requires PD liability limits of at least $15,000 per accident.