[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-409444-105":59,"doc-detail-409444-en":131},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":124,"head_meta":126,"extra_data":128,"updated_unix":130},105,"en","common-auto-insurance-terms-learn-key-definitions","Common Auto Insurance Terms - Learn Key Definitions","","Common Auto Insurance Terms explains key vocabulary used in auto insurance policies to help readers understand coverage concepts without an insurance background. The text defines accident reports, at-fault liability, vehicle liability and bodily injury coverage, claims adjusters, collision and comprehensive coverage, covered loss, declarations pages, deductibles, endorsements, garaging locations, policy limits, and losses. It also covers medical payments, motor vehicle reports, named insured, no-fault and non-owners policies, PIP, premiums, primary use, principal drivers, property damage liability, rental reimbursement, UM coverage, and VIN identification.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/common-auto-insurance-terms-learn-key-definitions/409444/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/common-auto-insurance-terms-learn-key-definitions/409444.png","ImageObject",300,407,{"name":92,"@type":93},"Mafia Boss","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","2026-09-28",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",11,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What is an accident report form and what information does it contain?","Question",{"text":113,"@type":114},"An accident report form (sometimes called a police report) includes important details about an auto accident, such as circumstances leading to the accident, parties involved, and citations given.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"What do collision coverage and comprehensive coverage cover?",{"text":118,"@type":114},"Collision coverage reimburses for loss to a covered vehicle from colliding with another vehicle, object, or overturn. Comprehensive coverage pays for repairs not directly related to a collision, including damage from fires, thefts, windstorms, floods, and vandalism.",{"name":120,"@type":111,"acceptedAnswer":121},"What is the difference between limits and a deductible?",{"text":122,"@type":114},"Limits are the maximum dollar amount of protection purchased for specific coverages. A deductible is the portion of a covered loss that the policyholder agrees to pay out of pocket.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},409444,1790673732,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":81,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":39,"preview_page_count":4},962090760730,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","Courtesy of  \nThe CIMA Companies, Inc  \nCommon Auto Insurance Terms  \nAuto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance.  \nThe following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker:  \n􀀂 Accident report form: Sometimes referred to as a police report, this form contains important information about an auto accident, such as circumstances that led to an accident, the parties involved and details regarding the citations given.  \n􀀂 At fault: This term refers to the degree to which a party caused or contributed to an accident. This term is often used to determine whose auto insurance company pays for specific portions of damages incurred as the result of an accident.  \n􀀂 Automobile liability insurance: This refers to a type of insurance that provides coverage when a party causes an accident and either physical or property damage occurs.  \n􀀂 Bodily injury liability coverage: This type of insurance provides coverage for injuries or deaths to people involved in the accident other than the insured driver. This coverage kicks in  \nif an insured person is legally liable for an accident and also provides coverage for defense costs if the insured is sued.  \nAuto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance.  \n􀀂 Claims adjuster: A claims adjuster is a representative from an insurance company who investigates and settles claims. This person’s job is to ensure that all parties involved in an accident receive fair compensation.  \n􀀂 Collision coverage: A form of auto insurance that provides for reimbursement for loss to a covered vehicle due to its colliding with another vehicle, object or the overturn of the automobile.  \n􀀂 Comprehensive coverage: This coverage pays for any repairs not directly related to a collision. This includes damages from fires, thefts, windstorms, floods and vandalism.  \nContact us at (703) [739-9300 | www.cimaworld.com](739-9300 | www.cimaworld.com)  \n© 2017 Zywave, Inc. All rights reserved. This Know Your Insurance document is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.  \nCommon Auto Insurance Terms  \n􀀂 Covered loss: A covered loss is any damage to yourself, your vehicle, other people or property covered by your insurance policy.  \n􀀂 Declarations page: Sometimes referred to as an auto insurance coverage summary, this is a document provided by an insurance company. These documents list the following for policyholders:  \no The types of coverage elected  \no Specific limits for each  \ncoverage  \no The cost of each coverage  \no Specific vehicles covered by the policy  \no Types of coverage for each vehicle covered by the policy  \n􀀂 Deductible: A deductible is the  \nportion of a covered loss that a policyholder agrees to pay out of pocket.  \n􀀂 Endorsement: Any change, addition or optional coverage added to an insurance policy. An endorsement may require additional premium.  \n􀀂 Garaging location: A garaging location refers to the primary location you park your car when it’s not in use.  \n􀀂 Limits: Limits refer to the maximum dollar amount of protection purchased by the policyholder for specific coverages. State laws often requiredrivers to have a minimum level of coverage.  \n􀀂 Loss: Refers to direct and accidental damages to a person or property.  \n􀀂 Medical payments coverage:  \nCoverage that pays for reasonable  \nmedical expenses and death benefits to a policyholder and any passengers injured in the event of an auto accident, regardless of fault.  \n􀀂 Motor vehicle report (MVR): MVRsare official records held by states that detail a driver’s licensing status, violations, sus","cbCainODFpOaKXu6","https://ap.wps.com/l/cbCainODFpOaKXu6","pdf",1303715,"English","# Accident and liability terms\n## Accident report form\n## At fault\n## Automobile liability insurance\n## Bodily injury liability coverage\n# Claims and coverage types\n## Claims adjuster\n## Collision coverage\n## Comprehensive coverage\n## Medical payments coverage\n# Policy documents and costs\n## Covered loss\n## Declarations page\n## Deductible\n## Endorsement\n## Limits\n## Premium\n# Drivers, vehicle, and special coverage\n## Garaging location\n## Motor vehicle report (MVR)\n## Named insured\n## No-fault automobile insurance\n## Non-owners policy\n## Personal injury protection coverage (PIP)\n## Primary use\n## Principal driver\n## Property damage liability coverage (PD)\n## Rental reimbursement coverage\n## Uninsured/underinsured motorist coverage (UM)\n## Vehicle identification number (VIN)","[{\"question\":\"What is an accident report form and what information does it contain?\",\"answer\":\"An accident report form (sometimes called a police report) includes important details about an auto accident, such as circumstances leading to the accident, parties involved, and citations given.\"},{\"question\":\"What do collision coverage and comprehensive coverage cover?\",\"answer\":\"Collision coverage reimburses for loss to a covered vehicle from colliding with another vehicle, object, or overturn. Comprehensive coverage pays for repairs not directly related to a collision, including damage from fires, thefts, windstorms, floods, and vandalism.\"},{\"question\":\"What is the difference between limits and a deductible?\",\"answer\":\"Limits are the maximum dollar amount of protection purchased for specific coverages. A deductible is the portion of a covered loss that the policyholder agrees to pay out of pocket.\"}]","Common Auto Insurance Terms - Learn Key Definitions | PDF",1790582266]