Another person's or group's insurance company.

The amount an insured pays in exchange for insurance coverage.

If you have been an accident-free policyholder for more than three years and you experience your first accident, you will be allowed to maintain your Safe Driving History discount. (Availability varies by state.)

By keeping your driving record free of accidents for three years, regardless of the insurance carrier, you will receive a discount. If your record remains free of accidents for six years, an additional discount is applied. (Availability varies by state.)

Reimbursement to the policyholder for living costs when he or she is forced to maintain a residence elsewhere because of a loss of property. Expenses are in excess of normal day-to-day living expenses, and may include motel or hotel lodging, food, laundry, etc.

The current value of an item of property. It is the amount it would cost to replace an item, minus depreciation.

A person or interest protected by the insurance policy other than the named insured. For example, a trust or lienholder may also be listed as an additional insured on an auto policy.

A person who investigates and settles claims.

A change to your policy that permanently alters it.

A system that prevents the wheels on a vehicle from locking under heavy braking. The same system helps drivers to maintain steering control under heavy braking and, in some situations, to shorten braking distances.