Insurance 101

Insurance 101

Specialized vocabulary is inherent in any profession, as a teacher, in was so easy to start talking about a topic, only to have those who were non-teachers in our discussion go glassy eyed. So we thought it would be a good idea to define some terms associated with property and casualty insurance. Please call us if we may help you in any way to understand your policies. If you are in Idaho, Washington, Montana, or Arizona, give us a call! These terms apply to auto, home and commercial insurance

Insurance term



This part of your policy provides the protection for the legal liability for bodily injury or property damage you cause to others.


Damage to a vehicle from colliding with any object, (except for an animal).


Damage for other than collision: This includes fire, theft, vandalism, glass breakage, animal collision, falling objects.


Provided in this part of your policy is the coverages for injuries sustained in getting in, on or around your vehicle. This protection extends to you and your passengers.



Motorist bodily injury

This protection covers you and your passengers if you are involved in an accident with someone that has no liability coverage or doesn’t have enough insurance to pay for the damage inflicted.



Covers towing, one-hour labor on the side of the road, lock out, changing a tire, etc.