Uninsured Motorist Bodily Injury
Covers you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance.

Pro Rata
Distribution of the amount of insurance in one policy, among the several objects or places covered, in proportion to their value or to the amounts shown. The distribution of liability among the several insurance companies having policies on the risk.

Deductible
The amount of losses a policyholder pays. Either a specific dollar amount, a percentage of the claim amount, or a specified amount of time that must expire before benefits are paid.

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.

Term Insurance
Life insurance that covers the policyholder for a specific period of time, the “term” specified in the policy. It pays a benefit to a beneficiary only if the insured dies within that specified period of time. Term life policies are renewable.

Auto Replacement Coverage
A supplemental auto insurance coverage that guarantees your car will be completely repaired or replaced, even if the costs exceed its depreciated value.

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.

Umbrella Liability Insurance
A policy that "floats" above your other coverage. You must carry a certain amount of underlying liability coverage before you may buy an umbrella policy.

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

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