Legal Articles

Continuously Insured

An insured person who has had no time period during which he or she was uninsured since first taking out an auto insurance policy.

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Comprehensive Coverage

The most common form of optional auto insurance coverage, alongside Collision, covering damage that is the result of non-collision factors, such weather and theft.

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Collision Coverage

Along with Comprehensive, the most common form of optional auto insurance coverage. Collision Coverage covers the cost (minus a deductible) of repairing damage to a vehicle when the insured driver is at fault or the at-fault driver is unknown

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Certificate of Financial Responsibility

A document issued by insurance companies or agents to vehicle owners as proof of compliance with laws requiring car insurance coverage.

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Car Insurance

A policy of insurance protecting an owner and driver against losses associated with the use and operation of a motor vehicle.

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Cancellation

When an insurance policy is terminated prior to the renewal date. Either the insurer or the insured can cancel a policy.

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COUNTERCLAIM

the term that is given to the claim or cause of action against the plaintiff by the defendant.

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CONSENT OF MINOR

where the consent of a minor is taken in an emergency and when no next of kin can be found in time.

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CONSPIRACY OF SILENCE

the term used when 2 people act by agreement not to reveal any knowledge they have of an unlawful act.

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CLEAR AND PRESENT DANGER

1. this phrase indicates that past behaviour leads you to believe that violence can be contemplated and expected. 2. Behaviour that isn’t protected by freedom of the press and speech.

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CONTRACT MEDICINE

This applies to the rendering of medical services that is on a prepaid basis rather than the payment of a fee for each service.

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CLAUSE OF DEVOLUTION

the clause that denotes the transfer of a title, obligation, right or estate from one person to another person.

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CONNALLY ACT

federal law that aids states by limiting the amount of oil that can be produced from certain fields.

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CLAIM ADJUSTER

the person who assesses a claims validity, especially that against an insurance company.

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CROSS-REMAINDERS

the situation wherre land has been willed to 2 or more people and if one legatee dies the property goes to the other legatees.

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COURT ORDER

an order that has been written by the judge of the court and needs to be obeyed.

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CONTENTION

This means an assertion or a claim about something.

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CREDIT RATING

a rating given to a person that concerns the reliability of a person of paying their debts. They are based on present and past history.

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COGENT

This term applies to something that is convincing, compelling and appeals to reason.

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CLASS REPRESENTATION

the situation that occurs when members of a class suit are sued or sue on behalf of the other members and the court’s judgement is binding for all members.

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