Accident
A collision of a vehicle with any object, for example, another vehicle, a fence or post.

Accidental Death Benefit
A death benefit pays if "bodily injury" causes the death of you or any "family member" within 24 months from the date of a covered accident.

Anti-theft Devices
An anti-theft device is something that deters a vehicle from being stolen, for example, a car alarm or a special key for the ignition. Cars with hood locks and ignition alarms can save up to 15% on "other than collision" (comprehensive) premiums.

Auto Policy Discounts
You could pay a lower premium on your auto insurance policy if you qualify for any of several discounts offered by most insurers. Scroll to find the definitions for Anti-theft Device, Driver Training, Defensive Driver, Good Student, Multi-Car, and Safe Driver Discounts.

Basic Reparations Benefit
An optional coverage which covers you, the members of your household and your passengers for medical expenses and lost wages caused by auto accidents. The coverage is limited to $5,000 per accident. Basic Reparations Benefit (BRB) is not applicable in all states.

Bodily Injury Liability
An important type of liability coverage, Bodily Injury will pay damages awarded if you are held legally responsible for injury or death caused by a vehicle driven by you or by a covered family member. Coverage options include Single Limit Liability and Split Limit Liability, depending on each company's offerings.

Collision Coverage
This covers the physical damage done to your car because of a collision with another vehicle or object, regardless of who is at fault. So whether you are involved in an eight car pile-up, or your car rolls into a parking lot guard rail on its own, collision covers the loss to your car. Collision does not cover bodily injury or property damage liability—it protects your vehicle only, and is usually subject to a deductible.

Comprehensive Coverage
Sometimes called "Other than Collision," Comprehensive Coverage pays for damages resulting from fire, theft, vandalism, falling objects, hailstorms, floods, and various other perils. For example, hitting a deer can cause a lot of damage to your car—comprehensive takes care of it. Loss of auto glass or windshield is also covered under Comprehensive.

Comprehensive Loss
Any damage done to a vehicle that is caused by something other than a collision. This includes damage to the vehicle by theft, vandalism, fire and flood. Glass loss is a comprehensive loss.

Declarations Page
The declarations page tells you who and/or what is covered by the insurance, the amount of coverage purchased and the conditions—the "when" and "where"—covered by the purchased insurance.

Deductible
This is the amount you agree to pay out of your own pocket before the insurance company reimburses you for damage expenses. If you had an accident with damages totaling $1,700, and carry a $500 deductible on your collision coverage, you would pay the first $500, and the insurance company would cover the difference, the remaining $1,200. Raising the amount of your deductible saves you money on the cost of your insurance.

Defensive Driver Discount
In some states, individuals who successfully complete an authorized defensive driver course are eligible for further credits.

Driver Training Discount
Safety is the first rule of the road. To encourage good driving habits in young people, drivers under 21 who complete a driver training course can often save up to 15% on their insurance premiums. Discounts vary by state and are typically good for 2-3 years.

DWI
Driving While Intoxicated.

Extraordinary Medical Benefits:
An extension of First Party Benefit coverage pays the medical and rehabilitation costs over $100,000 for each person injured as the result of an automobile accident. This covers you and your family members residing in your household up to a lifetime benefit limit selected for each person.

Financial Responsibility Required
Drivers in most states are required by law to demonstrate their ability to pay for bodily injury or property damage for which they are responsible. In most cases, this "financial responsibility" is fulfilled by purchasing insurance with limits of liability equal to or greater than the amounts required by the state. In some states, you must carry proof of financial responsibility, in the form of an insurance policy, before you can register a vehicle.

Financial Responsibility Clause
In your insurance agreement, the financial responsibility clause shows that your policy conforms to state financial responsibility requirements.

Full/Limited Tort Threshold Options
Limited Tort, if selected, applies to the named insured and other household members. The tort threshold determines when an insured may sue for damages. While Full Tort, if selected, does not put a limitation on when an insured may sue for damages.

Funeral Expenses
Funeral or burial expenses actually incurred if "bodily injury" causes an "insured's" death within 24 months from the date of a covered accident.

Garaging Location
When is a garage not a garage? In this case, it refers to where you usually keep your car when you’re not driving it, whether in a building or not. If you normally keep your vehicle in a town other than the one you live in, let your insurance representative know.

Good Student Discount
Since studies have proven a link between good grades and good, safe driving, some insurance companies offer reduced premiums to students with high scholastic ratings. To be eligible for reduced premiums with Electric Insurance, simply provide us with a recent transcript showing a B average or better, and we’ll be sure you receive the discount. Good Student discounts vary among the states that allow us to offer them. (This discount is not available in all states.)

Group Affiliation
Some insurance companies are able to offer group discounts to certain companies, groups, or clubs.