Your Free Online Legal Dictionary • Featuring Black’s Law Dictionary, 2nd Ed.

Roadside Assistance Coverage

Auto insurance that provides roadside services for instances that may not involve an accident, such as towing in the case of a breakdown or a locksmith for when one is locked out of

Rated Driver

A person who operates the vehicles listed in an auto insurance policy.

Primary Use

How a vehicle is primarily used, such as for work, pleasure, etc.

Per Person Limits

The maximum amount an insurance company will pay under a policy to each person injured in an accident.

Per-Occurrence Limits

A cap on the amount an insurance company pays under a policy for all claims arising from a single accident.

Optional Coverage

Insurance coverage provided by a policy that is beyond what is required by law. Includes Collision Coverage and Comprehensive Coverage.

Occasional Driver

A person who operates an insured vehicle who is not considered the primary or principle driver.

Non-Renewal

A decision by an insurer to stop providing insurance coverage on the date a policy is due to be renewed.

Non-Owners Policy

Insurance coverage that is offered to an individual who is not the owner of the insured vehicle.

Multi-Car Discount

A premium discount offered by some insurance companies if the policyholder insures more than one vehicle with them.

Monetary Threshold

An amount set by the no-fault laws in some states that must be met before a lawsuit for damages may be commenced against an at-fault driver in an accident.

Listed User

Members of the same household who do not drive an insured vehicle.

Lapsed Coverage

When an insurance policy is terminated or cancelled, and a replacement policy has not been obtained.

Hit and Run

When a motorist involved in an accident flees the scene.

Garaging Location

The place where a car is usually stored, such as a home’s garage, when it is not in use.

Fender Bender

When two or more vehicles are involved in a low-impact collision with minimal damage.

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This site contains general legal information but does not constitute professional legal advice for your particular situation. The Law Dictionary is not a law firm, and this page does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.