Definitions

Previous Insurance Coverage In Force

To qualify for a discount with some carriers, you will be asked the date insurance coverage was in effect on the vehicle in question, or a similar replacement vehicle insured with us for a period of one year immediately preceding the start of your coverage with us. This information will require proof, but may provide significant discounts.

Declarations Page

The amount of each loss you agree to pay. Usually, choosing a higher deductible will lower your premium. However, some companies may only offer certain deductibles within certain CC ranges. Often these policies may represent some savings over others with more features.

Garaging Location

The ZIP Code where your vehicle is parked and or garaged when not in use. This is usually your primary residence.

Limits

The most we will pay for a specific insurance coverage. You may choose the limit that meets your needs. Most states have laws that specify the minimum limits you may purchase.

Named Insured

The person in whose name the insurance policy is issued. For fiduciary reasons, this may also need to be the person who is the borrower on any lienholder or loss payee contract. In the instance of the primary driver not being the named insured, the primary or additional drivers would need to be included in the “other insured section” of the application. Failure to list additional operators may significantly change your rate, void your policy or both. Any attempt to withhold vital risk assessment informationfor the for the purpose of reducing your premium is insurance fraud and may be punishable fines, imprisonment or both.

Occasional Driver

The person who is not the primary or principle driver of the vehicle.

Policy Expiration Date

The date when your current insurance expires. This date can be found on your current Declaration or (“DEC”) page, insurance identification card, or recent cancellation notice. This date is not to be confused with the date of your next payment or the date when your renewal payment is due.

Policy Term

The length of time the policy is in force.

Primary Residence

The place where you reside for the majority of your policy term. If you primarily use the vehicle in another state, please other storage locations and length of time stored there

Accessory Coverage

Accessory coverage’s include add on non factory equipment such as extra chrome, gold plating, sound system, a pull behind trailer or special saddlebags.

Medical Coverage

Provides medical coverage on any rider or passenger of the motorcycle.

Principal Driver

The person who operates the vehicle most often.

Second Named Insured

The named insured or listed agent on a policy may request to designate any other person listed on the policy as a “second named insured”. The second named has the same coverage under the policy as the named insured.

SR-22

A document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations.

VIN

The Vehicle Identification Number (VIN) on your vehicle. This number is usually found on the registration or title. The VIN number is a combination of letters and numbers 17 characters in length that can be used to identify the make, model and year of your vehicle.

Anti-Theft Device

An audible anti-theft device permanently attached to the vehicle. to receive an anti-theft discount, comprehensive and collision coverage must be present on your policy and proof of purchase provided.