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insurance.mo.gov
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Definitions (80)
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collision
Insurance coverage available to provide protection against physical contact of an automobile with another inanimate object resulting in damage to the insured's car.
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commercial
Provides coverage for liability, physical damage, and other exposures for automobiles owned or leased by businesses, partnerships, or organizations.
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comprehensive
Automobile insurance providing protection in case of physical damage suffered by the insured's car, other than collision or theft. Example: Fire, Flood.
Meaning awaits approval from a moderator |
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Liability
Policyholder's legal liability resulting from injuries to other persons or damage to their property.
Meaning awaits approval from a moderator |
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medical payments
Coverage, available in various liability insurance policies, in which the insurer agrees to reimburse the insured and others, without regard to the insured's liability, for medical or funeral expenses as the result of bodily injury or death by accident under specified conditions.
Meaning awaits approval from a moderator |
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Rental reimbursement
An automobile coverage that pays the cost of a vehicle rental during a period the insured vehicle requires covered repair.
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Underinsured Motorist
Protection covers the policyholder and family members if injured by a motorist who carries liability limits less than his/her proportionate share of the total liability. Also provides coverage if the other driver's insurance is with a financially irresponsible insurer.
Meaning awaits approval from a moderator |
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Uninsured Motorist
Protection covers the policyholder, family members, and passengers if injured by a hit-and-run motorist or driver who carries no liability insurance.
Meaning awaits approval from a moderator |
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Homeowners
Coverage for homes, including dwelling coverage. Protects owners and tenants against losses or damage to their residential property and provides protection against liability claims by others suffering injury or damages while on such property.
Meaning awaits approval from a moderator |
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medical payments
Coverage provided under the homeowner's policy. The insurance includes medical expenses of persons who sustain bodily injury at an insured's premises without regard to negligence. Medical expenses include first aid, surgery, x-rays, dental services, prosthetic devices, and transportation by ambulance, and funeral services.
Meaning awaits approval from a moderator |
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