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Basic Automobile Policy Contents

Automobile insurance policies normally contain the same five basic sections found in most types of insurance policies: 1) declarations, 2) an insuring agreement, 3) definitions of terms used in the policy, 4) conditions, and 5) exclusions.

Underinsured and Uninsured Auto Coverage

Underinsured coverage refers to coverage available to an insured involved in an accident with a driver who has insufficient auto insurance coverage.

Types of Adjusters

When an insured files a claim with his insurer to recover for a loss, the insurer may pay the amount requested without question, or it may begin the "adjustment" process. This is the process by which the claim is resolved. Various types of "adjusters" may assist in the adjustment process.

Civil Rights

(Race Discrimination in Insurance Coverage)

Conditions Precedent to Uninsured Motorist Coverage

Uninsured motorist (UM) benefits are available to an insured so that he may recover from his insurer in the event he is involved in a motor vehicle accident with an uninsured driver. In order for the insured to obtain recovery under UM coverage, several conditions must first be met.