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Cedar City UT Auto InsuranceHelpful links and resources for finding a auto insurance in Cedar City, UT. Cedar City, UT Legal Directory; We're here to help you find insurance in Cedar City, UT. |
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Insurance Information
Death and Dismemberment
An added benefit rider that can be attached to a life insurance policy that provides monetary payment for the loss of function of vital limbs or organs.
Death Benefit
A payment made to a designated beneficiary upon the death of the employee annuitant.
Debenture
A bond that is backed only by the general credit of the issuing corporation. No specific property is pledged as security behind the loan.
Declarations
Statements in an insurance contract that provide information about the property or life to be insured. Used for underwriting and rating purposes and for identification of the property or life to be insured.
Declination
The insurer's refusal to insure an individual after careful evaluation of the application for insurance and any other pertinent factors.
Deductible
An amount which a policyholder agrees to pay, per claim or per accident, toward the total amount of an insured loss.
Deferred Annuity
An annuity providing for the income payments to begin at some specified future date.
Depreciation
A decrease in the value of property over a period of time due to wear and tear or obsolescence. Depreciation is used to determine the actual cash value of property at time of loss. (See Actual Cash Value)
Direct Loss
Financial loss in damages that results directly from an insured peril.
Disability
A physical or a mental impairment that substantially limits one or more major life activities of an individual. It may be partial or total. (See Partial Disability; Total Disability.)
Dismemberment
Loss of body members (limbs), or use thereof, or loss of sight due to injury.
Disposable Personal Income
The personal income less personal tax and other financial obligations or payments. It is the income available to people for spending and saving.
Double Indemnity
A policy provision usually associated with death, which doubles payment of a designated benefit when certain kinds of accidents occur.
Down Payment
The premium deposit paid by a prospective policy holder when an application is made for an insurance policy. It is usually equal, at least, to the first month's estimate premium and is applied toward the actual premium when billed.
Death and Dismemberment
An added benefit rider that can be attached to a life insurance policy that provides monetary payment for the loss of function of vital limbs or organs.
Death Benefit
A payment made to a designated beneficiary upon the death of the employee annuitant.
Debenture
A bond that is backed only by the general credit of the issuing corporation. No specific property is pledged as security behind the loan.
Declarations
Statements in an insurance contract that provide information about the property or life to be insured. Used for underwriting and rating purposes and for identification of the property or life to be insured.
Declination
The insurer's refusal to insure an individual after careful evaluation of the application for insurance and any other pertinent factors.
Deductible
An amount which a policyholder agrees to pay, per claim or per accident, toward the total amount of an insured loss.
Deferred Annuity
An annuity providing for the income payments to begin at some specified future date.
Depreciation
A decrease in the value of property over a period of time due to wear and tear or obsolescence. Depreciation is used to determine the actual cash value of property at time of loss. (See Actual Cash Value)
Direct Loss
Financial loss in damages that results directly from an insured peril.
Disability
A physical or a mental impairment that substantially limits one or more major life activities of an individual. It may be partial or total. (See Partial Disability; Total Disability.)
Dismemberment
Loss of body members (limbs), or use thereof, or loss of sight due to injury.
Disposable Personal Income
The personal income less personal tax and other financial obligations or payments. It is the income available to people for spending and saving.
Double Indemnity
A policy provision usually associated with death, which doubles payment of a designated benefit when certain kinds of accidents occur.
Down Payment
The premium deposit paid by a prospective policy holder when an application is made for an insurance policy. It is usually equal, at least, to the first month's estimate premium and is applied toward the actual premium when billed.
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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