Physical Damages coverage (auto) - Auto physical damage coverage insures against loss resulting from damage to an auto owned by the insured and it also provides coverage if the car is stolen. Auto physical damage coverage is property insurance.
Pleasure Rental - this optional coverage provides a replacement for the coverage strongly recommended at the rental car counter. It provides protection for the renter in case of accident or theft of the vehicle. In some states, it will also provide excess liability coverage over that provided in the rental contract.
Policy - A contract that states the rights and duties of the insurance company and the insured.
Policy Period - The period during which a policy contract affords insurance protection.
Policy Limits - See Limits
Property Damage, or PD - A coverage protecting the legal liability of the policyholder for damage on account of injury to or destruction of property of another.
Premium - An amount of money paid to an insurance company in return for insurance protection.
Prior Proof - Proof that the insured and/or driver listed on the policy had an insurance policy prior to being written through a new insurance company. Also referred to as transfer proof.
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