The market where a person seeking insurance obtains it with no help from the state, through an insurer of his or her own selection.

The year in which an accident occurred.

An event that is caused by the forces of nature, without human intervention, and that could not have been prevented by reasonable care, e.g., flood, earthquake, hurricane, etc.

An event that is caused by the forces of nature, without human intervention, and that could not have been prevented by reasonable care, e.g., flood, earthquake, hurricane, etc.

An event that is caused by the forces of nature, without human intervention, and that could not have been prevented by reasonable care, e.g., flood, earthquake, hurricane, etc.

An amount equal to the current replacement cost of the lost or damaged property at the time of the loss, reduced by an allowance for depreciation, wear and obsolescence.

A person who investigates and settles losses for an insurance carrier.

An insurance company licensed and authorized to do business in a particular state or jurisdiction.

A deposit premium paid by the insured which may later be adjusted up or down, following an audit of the insured's records (i.e. payroll, inventory, sales receipts).

An individual who solicits, negotiates or effects contracts of insurance. Generally refers to a natural person appointed by a licensed insurer as its representative for the purpose of soliciting and s [..]