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Our Guide to Car Insurance Terms

After you’ve been in an accident whether it’s a fender bender, you undoubtedly have a lot going on. The last thing you need when you’re perplexed and stressed about getting your vehicle repaired promptly, safely and affordably is a whole lot of confusing car insurance terms to sift through! Check out this blog from Service King South Ft. Worth in Fort Worth, TX to auto insurance words you might encounter in a collision repair shop.

What is an Act of God?

Whenever something that is considered out of human control or outside influence happens that damages a car is called an Act of God. These include things like forest fires, tornadoes, floods, and other storms, earthquakes or even a volcanic eruption would fall into this category. Acts of God are normally covered under comprehensive coverage, but not collision or liability.

What is Additional Insured or Additional Interest?

An individual other than the main insured person who is also covered on an insurance policy is considered an additional insured. For example, if your vehicle is a lease, your leasing company is likely an additional insured on your insurance policy.

What is Comparative Negligence?

This legal principle is only applicable in certain states and means that even when the driver is partly at fault for an accident, they are still able to make a partial claim. The negligence of each party is always compared to that of the other party and the claim depends on the overall percentage of responsibility.

What is Contributory Negligence?

This legal principle is always applicable in certain states and means that a driver who is at fault at any degree isn’t able to make a claim on their car insurance policy.

What’s a Claim?

Any request or demand for the carrier to pay according to the insurance policy is called An insurance claim. The person who makes a claim is the claimant.

What is No-Fault Insurance?

Some states will require insurers to pay losses of their policyholders that are covered in the claims without regard to fault in the case of an accident. This doesn’t mean they are obligated to pay for literally everything--it just means that the policy kicks in only when a fully covered collision happens and not when the fault is actually determined.

What is Steering?

If someone from your insurance company tries to get a vehicle owner to use a particular collision repair shop, it’s called steering. Steering is ruled as illegal in most states and car owners always have the right to select their own repair shop.

Service King South Ft. Worth in Fort Worth, TX 76140 

Sources: Insurance Journal and HowItWorks

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