It also can come into play if you hit a pothole that severely damages your car.
Optional coverage for when your car is damaged as a result of colliding with another object-a brick wall, for example, or a rollover. This coverage is required in Colorado, New Mexico, Utah and Wyoming.
INSURANCE WORD VS WORD DRIVER
See explanation of limits, above.īI pays for injuries to other people when the insured vehicle's driver is legally at fault. This is a general term that covers bodily injury (BI) liability and property damage (PD) liability. In other words, coverage in case you cause an accident where there is either physical or property damage to other people. Protection in case others hold you legally responsible for bodily injury and/or damage to property losses incurred as the result of a motor vehicle accident. Most states require a mandatory minimum amount and insurance companies offer the option to purchase more. They represent (in the $ thousands) your liability limits for per-person bodily injury, bodily injury for all persons injured in any one accident, and property damage liability. You will see three numbers when you are buying liability coverage. Here is a translation of some basic insurance lingo: If you feel like you need to take a foreign language course to "speak insurance" don't worry, you're not alone! But, you need to at least understand the basic auto insurance terms because they spell out what you are and aren't covered for in your policy. Your car insurance is really six separate policies-some are required, others optional-carefully weigh your risks when buying protection for you and your family. CO Insurance Consumer Satisfaction Poll.Wildfire Mitigation: Colorado Homeowners Survey.Factors Affecting Homeowners Insurance Cost.CO Auto Insurance Marketplace & Fact Sheet.
Seat Belts, Air Bags & Child Passenger Safety. NM Personal Insurance Credit Information Act. How do I read my auto insurance policy?. The computer technician (assured, ensured, insured) Jaye that it wasn’t a virus that was causing the problem, but Jaye is still doubtful.Īnswers: 1. Allen’s company doesn’t (assure, ensure, insure) small planes. We need to leave soon because Rick (assured, ensured, insured) Layla we would arrive at the play on time. (Assure, ensure, insure) you have enough grain to last through the winter by saving 10 percent of each field you harvest. I need to be (assured, ensured, insured) that you can deliver the package to me on time. We will (assure, ensure, insure) our victory over the school across town by practicing every day this summer. Sally stayed up all night drafting a policy to (assure, ensure, insure) her client’s hovercraft. James (assures, ensures, insure) his dog gets enough exercise by running with her each morning. Check the phone book to find a company that can (assure, ensure, insure) your storage building. Though Emily had only met her fiancé’s mother once, it was enough to (assure, ensure, insure) her that Emily would be a good partner. Here are a few sentences to check your understanding. To insure something or someone is to cover it with an insurance policy. However, they are all the future result of something in the present. Notice, some of the objects of “ensure” in these sentences are a little abstract. Kelly made flashcards to ensure she would make a good grade on her exam. Regular oil changes and maintenance ensure your car will last over 200,000 miles. Rob ensured his online safety by changing his password. A bouquet of roses will ensure that your wife knows you were thinking about her this Valentine’s Day. I brush and floss my teeth every night to ensure my gums will stay healthy. You may substitute the word “guarantee” to ensure you are using this word correctly in your writing. To ensure something or someone is to guarantee something will happen. Luckily, once you know the difference, it’s an easy mistake to avoid. While these words sound similar and represent similar ideas, there’s no situation in which they could mean exactly the same thing. Lots of folks use “insure,” “ensure,” and “assure” interchangeably, especially in their speech.
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