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Ackworth IA Auto InsuranceHelpful links and resources for finding a auto insurance in Ackworth, IA. Ackworth, IA Legal Directory; We're here to help you find insurance in Ackworth, IA. |
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Insurance Information
Bail Bond
Variously used in connection with the release of a person or property from the custody of the law, referring to the bond or sum of money that is furnished the court or other official as indemnity for nonperformance of the obligation.
Bailee
One who has custody of the property of another. Bailees "for hire" have certain responsibilities to care for the property of another.
Bailment
The delivery of goods or personal property by one person to another, in trust for the execution of a special purpose in relation to such goods, beneficial either to the bailor, the bailee or both. This is done by contract, express or implied, which obligates the bailee to perform the trust and carry out its purpose and then either redeliver the goods to the bailor or dispose of the goods according to the purpose of the trust.
Bailor
The owner of property legally possessed by another bailee.
Benefit Period
A period of time typically one to three years during which major medical benefits are paid after the deductible is satisfied. When the benefit period ends, the insured must then satisfy a new deductible in order to establish a new benefit period. Length of time a policy will pay benefits to an insured.
Benefits
The amount payable by the insurance company to a claimant, assignee or beneficiary under each coverage.
Binder
A written or oral contract issued temporarily to place insurance in force when it is not possible to issue a new policy or endorse the existing policy immediately. A binder is subject to the premium and all the terms of the policy to be issued.
Blanket Contract
A contract of health insurance affording benefits, such as accidental death and dismemberment, for all of a class of persons not individually identified. It is used for such groups as athletic teams, campers, travel policy for employees, etc.
Blanket Medical Expense
A provision which entitles the insured person to collect up to a maximum established in the policy for all hospital and medical expenses incurred, without any limitations on individual types of medical expenses.
Blue Cross
An independent, nonprofit membership corporation providing protection on a service basis against the cost of hospital care in a limited geographical area.
Blue Shield
An independent, non-profit membership corporation providing protection on a service basis against the cost of surgical and medical care in a limited geographical area.
Bodily Injury
A legal responsibility due to negligence arising from an occurrence resulting in an injury of another person's life or health.
Bond
A certificate issued by a government or corporation as evidence of a debt. The issuer of the bond promises to pay the bondholder a specified amount of interest for a specified period and to repay the loan on the expiration (maturity) date.
Broker
A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.
Business Insurance
Any insurance for commercial or business enterprises, as opposed to personal insurance, which is for the protection of individuals; a policy written for business purposes, such as key employees, partnerships, and corporations. Synonym is Commercial Lines.
Bail Bond
Variously used in connection with the release of a person or property from the custody of the law, referring to the bond or sum of money that is furnished the court or other official as indemnity for nonperformance of the obligation.
Bailee
One who has custody of the property of another. Bailees "for hire" have certain responsibilities to care for the property of another.
Bailment
The delivery of goods or personal property by one person to another, in trust for the execution of a special purpose in relation to such goods, beneficial either to the bailor, the bailee or both. This is done by contract, express or implied, which obligates the bailee to perform the trust and carry out its purpose and then either redeliver the goods to the bailor or dispose of the goods according to the purpose of the trust.
Bailor
The owner of property legally possessed by another bailee.
Benefit Period
A period of time typically one to three years during which major medical benefits are paid after the deductible is satisfied. When the benefit period ends, the insured must then satisfy a new deductible in order to establish a new benefit period. Length of time a policy will pay benefits to an insured.
Benefits
The amount payable by the insurance company to a claimant, assignee or beneficiary under each coverage.
Binder
A written or oral contract issued temporarily to place insurance in force when it is not possible to issue a new policy or endorse the existing policy immediately. A binder is subject to the premium and all the terms of the policy to be issued.
Blanket Contract
A contract of health insurance affording benefits, such as accidental death and dismemberment, for all of a class of persons not individually identified. It is used for such groups as athletic teams, campers, travel policy for employees, etc.
Blanket Medical Expense
A provision which entitles the insured person to collect up to a maximum established in the policy for all hospital and medical expenses incurred, without any limitations on individual types of medical expenses.
Blue Cross
An independent, nonprofit membership corporation providing protection on a service basis against the cost of hospital care in a limited geographical area.
Blue Shield
An independent, non-profit membership corporation providing protection on a service basis against the cost of surgical and medical care in a limited geographical area.
Bodily Injury
A legal responsibility due to negligence arising from an occurrence resulting in an injury of another person's life or health.
Bond
A certificate issued by a government or corporation as evidence of a debt. The issuer of the bond promises to pay the bondholder a specified amount of interest for a specified period and to repay the loan on the expiration (maturity) date.
Broker
A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.
Business Insurance
Any insurance for commercial or business enterprises, as opposed to personal insurance, which is for the protection of individuals; a policy written for business purposes, such as key employees, partnerships, and corporations. Synonym is Commercial Lines.
Insurance Information
Hazard
Condition that creates or increases the chance of loss.
Health Maintenance Organization
An organization that provides a wide range of comprehensive health care services for a specified group at a fixed periodic payment. The HMO can be sponsored by the government, medical schools, hospitals, employers, labor unions, consumer groups, insurance companies, and hospital-medical plans.
High-Risk Automobile Insurer
Company that specializes in insuring motorists who have poor driving records, have been canceled, or have been refused insurance (ex: high risk vehicle, commercial use).
Hold-Harmless Clause
Clause written into a contract by which one party agrees to release another party from all legal liability, such as a retailer who agrees to release the manufacturer from legal liability if the product injures someone.
Homeowners Policy
A package of insurance providing homeowners with a broad range of property and liability coverages.
Hospice
Health care facility providing medical care and support services such as counseling to terminally ill persons.
Hurricane
A tropical storm marked by extremely low barometric pressure and circular winds with a velocity of 75 miles an hour or more.
Hazard
Condition that creates or increases the chance of loss.
Health Maintenance Organization
An organization that provides a wide range of comprehensive health care services for a specified group at a fixed periodic payment. The HMO can be sponsored by the government, medical schools, hospitals, employers, labor unions, consumer groups, insurance companies, and hospital-medical plans.
High-Risk Automobile Insurer
Company that specializes in insuring motorists who have poor driving records, have been canceled, or have been refused insurance (ex: high risk vehicle, commercial use).
Hold-Harmless Clause
Clause written into a contract by which one party agrees to release another party from all legal liability, such as a retailer who agrees to release the manufacturer from legal liability if the product injures someone.
Homeowners Policy
A package of insurance providing homeowners with a broad range of property and liability coverages.
Hospice
Health care facility providing medical care and support services such as counseling to terminally ill persons.
Hurricane
A tropical storm marked by extremely low barometric pressure and circular winds with a velocity of 75 miles an hour or more.
Insurance Information (cont'd)
Qualification Period
The period during which the insured must be totally disabled before becoming eligible for residual disability benefits.
Qualified Impairment Insurance
A form of substandard or special class insurance, which restricts benefits for the insured person's particular condition.
Qualified Plan
A plan which the Internal Revenue Service approves as meeting the requirements of Section 401(a) of the 1954 Internal Revenue Code. Such plans receive tax advantages.
Qualified terminable interest property
A category of property, created by the Economic Recovery Tax Act, which by a deceased spouse's will entitles the surviving spouse to all income from the property for life, with that income payable at least annually, and precludes anyone including the spouse from appointing the property to anyone else during the spouse's life.
Qualification Period
The period during which the insured must be totally disabled before becoming eligible for residual disability benefits.
Qualified Impairment Insurance
A form of substandard or special class insurance, which restricts benefits for the insured person's particular condition.
Qualified Plan
A plan which the Internal Revenue Service approves as meeting the requirements of Section 401(a) of the 1954 Internal Revenue Code. Such plans receive tax advantages.
Qualified terminable interest property
A category of property, created by the Economic Recovery Tax Act, which by a deceased spouse's will entitles the surviving spouse to all income from the property for life, with that income payable at least annually, and precludes anyone including the spouse from appointing the property to anyone else during the spouse's life.
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