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Car Insurance Terms, Quotes, Rates Terms & definitions from the car insurance industry Accidental death and dismemberment: car insurance that will pay you, your family members, or other occupants of your car a set amount, under the terms of the policy, for certain serious injuries or death resulting from an accident while in your car. Actual cash value: an amount equal to the cost of replacing a damaged item with a new one, minus depreciation. Adjuster: a person who investigates and evaluates for an insurance carrier the damages caused in an accident. At-fault: responsible for an accident. Agent: car insurance salesperson who sells and services policies. An independent agent usually represents two or more insurers in a sales and service capacity and is paid on a commission basis. An exclusive agent or captive agent represents only one company, usually on a commission basis. Arbitration: a determination made by impartial experts as to the value of property or the extent of damage. Assigned risk plan: a state-supervised insurance plan for people who are unable to obtain insurance coverage in the regular market. The cost of this insurance is substantially higher. Auto insurance: This is insurance which protects the insured against losses involving the use of automobiles. Various coverages may be bought depending on the desires of the insured. Such covers include the liability cover of bodily injury, property damage, and medical payments, and the physical damage covers of collision and comprehensive. Binder: a temporary insurance contract that provides proof of coverage until you receive a permanent policy from the company. A binder is subject to the payment of a premium. Bodily injury liability: car insurance that pays for another person’s bodily injury or death in an automobile accident caused by you. It compensates those people for pain, suffering, and other personal hardships, and will also pay for some economic damages (i.e., lost wages). Broker: an insurance salesperson who deals with agents and companies to find insurance for consumers. Cancellation: a termination of a policy before its normal expiration date. Car insurance: Auto insurance, vehicle, motor etc; is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of car accidents. Claim: a request for reimbursement for damages on an insured loss. Your claims to your company are “first-party claims.” Claims made by one person against another person’s company are known as “third-party claims.” CLUE report: short for Comprehensive Loss Underwriting Exchange which keeps insurance claims history. Collision coverage: optional insurance that pays for physical damage caused when your own car hits another car or object, regardless of who is at fault. Collision coverage may carry a deductible -- a stated amount that you must first pay out of your own pocket. Comparative fault: a method of attributing fault to each driver where both contributed to the cause of the accident. Comprehensive Car Insurance: pays for damage to your auto caused by fire, theft, vandalism, flood, falling objects, or hail. This coverage may also carry a deductible. Conditions: part of an insurance policy that states your obligations and those of your insurance company. Declarations page: the front page of your policy containing information such as the exact name of your insurance company, the policy number, your coverages, the amounts of your coverages, and your deductibles. Deductible: the amount you must pay from your own pocket for each claim or accident before the company pays on a claim. The bigger the deductible, the cheaper the coverage. Depreciation: the decrease in value of your vehicle or its parts due to wear, tear, and age. Exclusion: a provision in an insurance policy that denies coverage for certain losses, persons, or property. GAP coverage: pays for the gap between the amount due under a lease and the actual cash value of the car at the time of the accident. Identification card: a wallet-size card issued by your insurance company to indicate your policy number and coverage. Liability: any legally enforceable obligation. Liability insurance: insurance that pays when you are liable for injuries to other Persons or damage to their property. Limits: the maximum amount of benefits the insurance company agrees to pay on a loss. Medical payments: insurance that pays the medical and funeral expenses for you or any passengers riding in your car at the time of an accident. Medical payments will provide coverage whether the accident was caused by you or someone else. Negligence: failure to exercise a generally acceptable level of care and caution that results in injury or damage to a third party. No-fault insurance: a form of insurance available in many states under which each driver in an accident files claims for losses, such as medical expenses, with their own insurance company, regardless of who caused the accident. Non-renewal: the termination of the insurance contract by electing not to renew the policy at the anniversary date. Nonstandard company: sells insurance at high rates to drivers with poor driving records or other problems. Occurrence: an event that results in an insured loss. Personal injury protection: commonly referred to as “no-fault” insurance. This was designed to pay promptly -- regardless of fault or negligence -- for actual economic losses (e.g., medical expenses, lost earnings, and other reasonable and necessary expenses related to injuries sustained) to a driver or passenger injured in the car and to pedestrians injured by your car, because of its use or operation. It applies to personal injuries only, not for physical damages to the vehicle. Policy period: the amount of time an insurance contract or policy provides coverage. Preferred risk: a person or risk less likely than the average person or risk to make a claim. A preferred risk usually qualifies for a lower premium. Premium: the amount you pay for insurance. Proof of loss: documents that you give the insurer to support your request for payment of losses. Pro rata cancellation: revocation of a policy by an insurance company that returns the unearned premium to the policyholder. Property damage liability: this coverage protects you from claims and lawsuits by people whose property is damaged as a result of an accident you caused. Rescission: the company voids your policy back to the beginning. There is no coverage at all and the company will return the money you paid. Short rate cancellation: cancellation by the insured of an insurance policy for which the returned, unearned premium is diminished by administration costs incurred when the insurance company places the policy on its books. Underwriter: an individual in an insurance company who determines what insurance risks will be accepted and on what terms. Underinsured motorist coverage: provides coverage for bodily injury caused by a driver who is underinsured. It does not cover damage to your car. Uninsured motorist bodily injury coverage: insurance that covers the insured and family members if injured by a hit-and-run motorist or an uninsured driver, provided the other driver is at fault. Unsatisfied judgment fund: a special fund which, subject to several restrictions, pays individuals for bodily injury arising out of the use of a motor vehicle for their damages if the individual obtains a judgment against the responsible party and is unable to collect on that judgment. Vehicle Insurance: See Car Insurance, Auto Insurance
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Real Estate Brisbane
Population Brisbane is Queensland Australia’s capital city. It has a population of 1.6 million people and is Australia’s third largest city after Sydney and Melbourne. Population: 1.6 million Country: Australia Time Zone: GMT/UTC plus 10 hours Telephone Area Code 07 Queensland is Australia’s second largest state, covering 1 722 000 km2 and the third most populous with more than 3 000 000 inhabitants - 17 per cent of the nation’s people. It occupies 22.5 per cent of the continent ...
[Posted: 2010-01-14 21:50:06]
Real Estate Melbourne
Melbourne Facts Melbourne is the capital and largest city of the state of Victoria, and the second largest city in Australia, with a population of 3,366,542 (census 2001). The city's name is pronounced "MEL-buhn" . The city's motto is the Latin "Vires acquirit eundo" which means "we gather strength as we go". Melbourne has twice ranked first in a survey by The Economist of "The World's Most Livable Cities", once in 2002, and again in 2004. Melbourne Facts & Figures Central Business ...
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Real Estate Adelaide
Adelaide Information The City of Adelaide The banks feature walking and cycling paths, in fact the Torrens River has a dedicated cycle and walking track that makes it possible to ride or walk from the North Eastern Suburbs all the way to Henley Beach. Entertainment in Adelaide Adelaide in March is a month of great entertainment as it was host to "The Adelaide Festival of Arts" and "The Adelaide Fringe Festival" not to mention Womadelaide. There is also some racing car from the 18th to the ...
[Posted: 2010-01-14 21:50:06]
Cheap Car Insurance
Cheap Car Insurance & USA Auto Insurance Car Insurance Tips: In order to obtain cheap car insurance you really have to get into the mind of the insurer. What they want before they give you auto insurance, is an assurance that you have done everything to lower the risk of a payout. I have gathered a few things that you can do to get the cheap car insurance that we all know is out there! Hints & Tips To Get The Best Rates: 1. Opt to Pay a Higher Excess: in the event of an insu...
[Posted: 2010-01-14 21:50:06]
Car Insurance
Car Insurance Terms, Quotes, Rates Terms & definitions from the car insurance industry Accidental death and dismemberment: car insurance that will pay you, your family members, or other occupants of your car a set amount, under the terms of the policy, for certain serious injuries or death resulting from an accident while in your car. Actual cash value: an amount equal to the cost of replacing a damaged item with a new one, minus depreciation. Adjuster: a person who investigates...
[Posted: 2010-01-14 21:50:06]
Used Cars
Used Car Dealer Prices Australia Your used car dealer prices are right here! You can buy a Holden, Ford, BMW or a Toyota at the right values. I'll show you how to sell or search for the very best cheap cars for sale. A Japanese used car exporter based in Japan is available here: http://www.japan-partner.com/ Japan Partner prides itself for being a truly Global Enterprise. They sell used cars to over 67 countries on all continents. Buy used and damaged cars from Japan on-line through ...
[Posted: 2010-01-14 21:50:06]
Used Cars - 10 Steps To Avoid Buying A Lemon
Buying a used car has a lot of advantages over a new car, but it may have defects the seller hasn't told you about. Follow our quick ten point guide to avoid buying a lemon. 1. Buy the right used car for your needs Besides budget you also need to consider safety, security, makes and models you like, fuel consumption versus performance, running/servicing costs, travel distances, carrying passengers, power for trailers or boats, parking, space for work or sports gear. 2. Consider other...
[Posted: 2010-01-14 21:50:06]
Real Estate Sydney Hills District
Hills District History It is believed that the first white visitors to the district were Governor Phillip and a party of 21 from Parramatta who reached the Hills in April 1791. Their aim was to find new country for settlement and farming to feed the struggling Sydney colony. 1794 saw the beginning of the Baulkham Hills settlement. In that year, Governor Hunter officially granted the first parcel of land on the Hawkesbury Road to William Joyce, a pardoned convict. North of Baulkham Hills w...
[Posted: 2010-01-14 21:50:06]
Real Estate Sydney North Shore
The Sydney North Shore The North Shore refers to those suburbs of Sydney, Australia, which are located on the north shore of Sydney Harbour, and between Middle Harbour and the Lane Cove River. The suburbs of Mosman, Cremorne, North Sydney and Lane Cove which are adjacent to the harbour are often referred to as the Lower North Shore, one of most affluent areas of Sydney. Suburbs north of Chatswood in Ku-ring-gai are referred to as the Upper North Shore. The Upper North Shore Sydney...
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Real Estate Sydney Eastern Suburbs
Eastern Suburbs Information Sydney has two main roads running east out of the city which both meet eventually at Watsons Bay, just inside South Head at the entrance to Sydney Harbour. They form a loop which follows the harbour and then the ocean coastline, offering fine views which you can enjoy from your car. They pass through many of Sydney's fashionable suburbs as well as major restaurant and entertainment areas. It is a good trip to do by car on a weekend when there is no commute...
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Real Estate Sydney Northern Beaches
About the Sydney Northern Beaches Area Dee Why Dee Why was named in 1814 by James Meehan. Dee Why and Long Reef Beaches form a continuous 2km long bay on the southern side of Long Reef point. Dee Why is situated in the heart of the Northern Beaches, has excellent beaches and a rock pool. Only minutes from the world famous Manly Beach, Dee Why has many attractions from stylish beach Cafes to over 200 specialist shops. Narrabeen At Narrabeen you can basically do any water activ...
[Posted: 2010-01-14 21:50:06]
Real Estate Sydney Western Suburbs
About the Western Suburbs Area Blacktown Blacktown City offers a new and surprising array of award winning attractions, international venues and recreational and sporting attractions. For the sporting enthusiast looking to use one of the City's world-class Olympic or other sporting facilities, Blacktown City is the place for Good Sports and Great Fun with a host of clubs, shopping, cultural and recreational attractions that will impress. Come and watch high-octane excitement at Au...
[Posted: 2010-01-14 21:50:06]
Real Estate Sydney St George District
St George and Hurstville Information The St George/Hurstville region is one of eight regional centres within greater Sydney located just 15 kilometres to the south west of Sydney’s CBD. It is one of the fastest growing parts of metropolitan Sydney growing by 11% between 1996 – 2001. Covering an area of 2460 hectares, it has several major residential, shopping and commercial centres with approximately 26,000 dwellings that are home to its population of 70,642. History of St George ...
[Posted: 2010-01-14 21:50:06]
Real Estate Sydney Sutherland Shire
About The Sutherland Shire Sydney’s Sutherland Shire is located on the southern coastal edge of metropolitan Sydney, Australia. It is surrounded by waterways and bushland: the boundaries are the George River in the north, Deadman's Creek down to Woronora Dam in the west, from the dam across through Royal National Park to Garie Beach in the south, and the Pacific Ocean in the east. Enjoying the Shire Sutherland Shire has so much to offer. You can: 1. Enjoy the natural beauty incl...
[Posted: 2010-01-14 21:50:06]
Real Estate Darwin
Darwin History It took a long time to decide on Darwin as the site for the region's centre, and even after the city was established, growth was slow and troubled. Early attempts to settle the Top End were mainly due to British fears that the French or Dutch might get a foothold in Australia. Between 1824 and 1829 Fort Dundas on Melville Island and Fort Wellington on the Cobourg Peninsula, 200km (124mi) northeast of Darwin, were settled and then abandoned. In 1845 the explorer Leic...
[Posted: 2010-01-14 21:50:06]
Real Estate Canberra
Canberra History The Australian Government took possession of 2 357km2 of land from New South Wales (NSW) in 1911 to form the Australian Capital Territory (ACT) as the site for the Australian national capital. That capital, Canberra, lies between Sydney, 307km north-east, and Melbourne 655km south-west. The majority of the population live and work in Canberra. A second territory, at Jervis Bay, was acquired from NSW in 1915. This transfer was in accordance with the Seat of Governm...
[Posted: 2010-01-14 21:50:06]
Real Estate Perth
Real Estate Perth Perth, Western Australia is located on the western edge of the Australian continent. Summer starts in December and winter starts in June. Perth City is at the edge of the Swan River, which links via the Port/City of Fremantle, to the Indian Ocean. It is a lovely, vibrant city with a relaxed lifestyle. Perth and Western Australia boast some of the best beaches in the world and exciting fishing spots off the coast. Parking City of Perth Parking provides conven...
[Posted: 2010-01-14 21:50:06]
Real Estate Hobart
Real Estate Hobart Hobart is Australia's southernmost capital city. The fact that it is also the smallest is the key to its particular charm. A riverside city with a busy harbour, its mountain backdrop offers fine views over the beautiful Georgian buildings, numerous parks and compact suburbs below. The city's conservative and provincial reputation among some mainlanders is undeserved. Hobart town has a thriving arts and crafts scene and a real sense of history, and for walking,...
[Posted: 2010-01-14 21:50:06]
Buying Used cars
When buying used cars with a credit card, there is nothing more frustrating to find out the source of your deposit...a credit card, has been denied. Here is a great article to help get you past that post. Buying Used cars - 4 Steps You Can Take If Your Online Credit Card Application Has Been Refused by: Wes Atkins Help! I’ve Been Turned Down You received an envelope in the mail with a great offer for a low interest credit card. You read all the details, even the boring small print and...
[Posted: 2010-01-14 21:50:06]
Used Cars How to Save Your Tyres
Bob Jane T Mart - Car Tyres How to Save Your Tires Bob Jane T Marts Call into your nearest Bob Jane T Mart and the friendly professionals will check your tires and adjust the air to the perfect pressure. 70% of tyres are wasting fuel because their tyres are under inflated, that’s a free offer you should certainly take advantage of. Bob Jane can help you save fuel and save money: Of course, that’s not the only way Bob Jane saves you money – and have saved Australians money f...
[Posted: 2010-01-14 21:50:06]
Used Cars - How to purchase a used car privately
Consumer Tips: How To Buy A Used Car Privately Many people buy cars privately rather than through dealers. You can often save money going this route, however, keep in mind that if you have problems with the vehicle it may be difficult, if not impossible, to get any assistance or compensation from the vendor. Here are some more tips on how to get the best deal when buying a used car: It's "buyer-beware" when purchasing a used car, so, be su...
[Posted: 2010-01-14 21:50:06]
Before Purchasing A Used Car
Before Purchasing A Used Car Be aware of the following: Inspect the car in daylight and good weather. Bring someone you trust along to help you make a thorough appraisal; Don't expect perfection in a used car. Compromise on minor problems you can fix yourself, but don't overlook serious defects; Make safety a major priority. Older vehicles may not be equipped with airbags, child safety seats, seat belts, anti-lock brakes or security syst...
[Posted: 2010-01-14 21:50:06]
Increase The Benefits of Window Tinting To Your New or Used Car
How To Increase The Benefits of Window Tinting To Your New or Used Car Window Tinting Benefits Increased The problem with most window tinting is that as the years pass they turn purple and fade but 3M researchers have discovered that adding carbon to the formula of tinting increases the stability and durability of the colour, and have created Scotchtint. 3M Scotchtint can be used on the car, in the home and workplace as well as on building windows and lasts long time thanks to the st...
[Posted: 2010-01-14 21:50:06]
Car Insurance Quotes -15 Ways To Get The Best
15 Ways to Lower Your Car Insurance Quote 1. Shop around The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping...
[Posted: 2010-01-14 21:50:06]
Shopping For Cars
Shopping For Cars? Imagine this ... You're ready to buy a new car. You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want. Based on your information you've established your comfort zone for buying cars & price haggling. You walk into the dealership, meet with a salesperson, and begin negotiations. At the end of your test drive and haggling, you're confident that you've made the best deal possible. No wa...
[Posted: 2010-01-14 21:50:06]
Used Cars - Fuel Efficiency Tips
Used Cars - Fuel Efficiency Tips When you need to buy your next automobile make sure that fuel economy doesn't get lost in the shuffle. Buying a compact car with good gas mileage is both friendly to the environment and your pocket book. You will enjoy the savings throughout the life of the vehicle. There is a lot to consider when buying a car. If you are buying a used car the condition of the clutch, brakes, engine and transmission will play a huge role in how much that car will ...
[Posted: 2010-01-14 21:50:06]
Buying Used Cars - Do Some Homework!
Buying Used Cars - Do Some Homework! Researching your new vehicle is a daunting task in today's world. Once you have narrowed your next vehicle down to 2 or 3 choices it is time to research. Take out a sheet of paper for each vehicle and write down pros and cons for each one. Also on each sheet of paper list the attributes which are most important to you. This list might include: MPG - if you put a lot of miles on your car this factor could make a big dent in your wallet if you p...
[Posted: 2010-01-14 21:50:06]
Real Estate Agents in Australia - Can you trust them?
Real Estate Agents in Australia - Can you trust them?In Australia, the number of real estate agents that had complaints against them, fell significantly during 2004-05. Only 2% (889 complaints) of the total 43,827 complaints received by the Australian Competition and Consumer Commission (ACCC) during 2004-05 were made against real estate agents. This was 42% lower than the previous year, and the lowest number in the last...
[Posted: 2010-01-14 21:50:06]
Low Doc Loans
Low Doc LoansA Low Doc loan, sometimes referred to as a Lo Doc Loan or a LoDoc Loan, literally means "low documentation home loan".Traditionally, self-employed borrowers had difficulty obtaining a home loan, as they didn’t always have the required supporting documentation available. This can be due to a number of reasons. Often Tax Returns are not up to date. Even up to date returns can reflect your situation over 18 months ago. Your trading figures ma...
[Posted: 2010-01-14 21:50:06]
Canberra Real Estate
Canberra Real EstateProperty of The Month47 Sheaffe St Holder ACT - $650,000+ This stunning property has just been completely renovated and re-furbished in a prestigious location in Canberra. It has 4 bedrooms, 1 bathroom, an ensuite, garaging for two cars, a carp...
[Posted: 2010-01-14 21:50:06]
Canberra Real Estate - Property of The Month
Canberra Real Estate - Property of The Month47 Sheaffe St Holder ACT - $650,000+ This stunning property has just been completely renovated and re-furbished in a prestigious location in Canberra. It has 4 bedrooms, 1 bathroom, an ensuite, garaging for two cars, a ...
[Posted: 2010-01-14 21:50:06]
Planning to buy Eastern Suburbs Real Estate?
Planning to buy Eastern Suburbs Real Estate? Are you, a family member or a friend intending to settle or buy Eastern Suburbs Real Estate in Sydney? See our article menu on the home page or email me for more information at bruce@bestrealestate.com.au Beach Enquiries All enquiries regarding parking, swimming, and other information may be found by calling the numbers below: Clovell...
[Posted: 2010-01-14 21:50:06]
Ray White Real Estate
Ray White NSW http://www.bestrealestate.com.au/agents/ray-white-real-estate-nsw.html This is an alphabetical listing of Ray White real estate agents in NSW Australia. These records are current at July 2009. Ray White is a household name in Australia and New Zealand, a name synonymous with the real estate industry and related services. ...
[Posted: 2010-01-14 21:50:06]
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