Wisconsin Auto Insurance Agent in USA: Vans Broker and American Coverage Rates in USA

Wisconsin Auto Insurance Agent in USA

The English Speaker’s Guide to the Words and Phrases Your Wisconsin Auto Insurance Agent is Going to Expect You to Know.

Do You Speak Insurance-ese?

The English Speaker’s Guide to the Words and Phrases Your Wisconsin Auto Insurance Agent is Going to Expect You to Know

What language does your insurance agent speak? This should theoretically be an easy one-the same one you do, right? Not necessarily. What no one bothers to tell you when you start shopping around for an insurance policy is that every Wisconsin auto insurance agent you’re going to talk to actually speaks two languages quite fluently-English, and Insurance-ese.

Not familiar with that one? Most drivers aren’t. Insurance-ese is the language spoken by every insurance professional in the industry. This strange, foreign tongue that cleverly disguises itself as English uses lots of strange, incomprehensible phrases like comprehensive (which has nothing to do with understanding), tort, liability and deductible.

Before you can sign on the dotted line for a Wisconsin auto insurance policy with 100% confidence that you know what’s going on you’re going to need an SAT worthy understanding of what these words mean!

If there’s a particular phrase or clause in your auto insurance policy that you don’t understand, make sure you ask your agent about it (and specify that you need it in layman’s terms!). We’d be here all day trying to go over all the ins, outs and legalese that tends to pop up in your paperwork. For now, however, here’s a quick introduction to the biz to get you started.

What They Say vs. What They Mean

Anti-Theft Device

Anything that helps prevent theft or helps recover a vehicle after it’s been stolen.

At-Fault

The person that caused the accident and is being held responsible for the damages.

Bodily Injury Liability

The liability insurance portion fo your Wisconsin auto insurance policy that’s going to pay for medical care and rehabilitative therapy for all parties injured in an accident for which you are at fault. (This doesn’t include you.)

Comprehensive Coverage

If your car catches on fire, your windshield is smashed by an icicle or a hurricane carries your truck and your cows over to the next town, you’re going to want insurance to handle repairs/replacement (of your truck, that is-the cows are a different story). This what your comprehensive coverage is going to do.

Collision Coverage

If you’re responsible for an accident you’re going to need to pay to fix your car, whether you hit a guardrail or another car. Liability isn’t going to pay for these repairs, which is why you’re going to want collision coverage.

Continuously Insured

There’s been no lapse in your coverage (even for a day) for a set amount of time.

Deductible

The amount you agree to pay each time you file a claim with your Wisconsin auto insurance company. Remaining costs for repairs are covered by your insurer.

GAP Coverage

Auto insurance coverage designed to cover the difference between the value of your car and the amount you still owe the bank if you have to total your vehicle.

Garaging Location

Where you usually park your car, whether it’s actually in a garage or not.

Limit

The maximum amount your Wisconsin auto insurance provider will pay in claims. Usually determined on both a per person and a per incident basis.

Named Insured

The first person named on the insurance policy.

No Fault

It doesn’t matter who caused the accident. Your insurance company is going

Don’t you wish they made a dictionary for insurance shoppers?

to take care of you, their insurance company is going to take care of them.

Occasional Driver

The secondary or tertiary driver of a vehicle. (i.e. The person who doesn’t spend 4 to 5 hours a day behind the wheel driving to and from work!)

Premium

The amount of money you pay your insurance provider annually or bi-annually to maintain your auto insurance coverage.

Property Damage Liability

This pays for damages to guardrails, storefronts and other vehicles injured in an accident for which you were at fault.

Rental Reimbursement

In my humble opinion, this is the best idea Wisconsin auto insurance carriers ever had! This covers the cost of your rental while your car’s in the shop after you file an insurance claim.

SR-22

A document the court may ask for after an accident that proves financial responsibility.

Uninsured/Underinsured Motorist Coverage

If you’re in an accident with someone who doesn’t have a Wisconsin auto insurance policy this allows your insurance company to handle your claims. That way you don’t have to spend years in court trying to get the driver responsible to pay for the damages, and you can get back on the road as soon as possible. (This is also going to pick up the tab if you’re involved in a hit and run.)

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Wisconsin Auto Insurance Agent in USA

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