Accident

A formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event.

The scope of protection provided under an insurance policy, including the types of losses and risks that are covered.

The cause of a possible loss, such as fire, theft, windstorm, or collision.

Insurance coverage for unforeseen bodily injury resulting from an accident.

The amount you must pay out-of-pocket before your insurance coverage begins to pay for covered losses.

Specific conditions, circumstances, or types of losses that are not covered by an insurance policy.

A written amendment or addition to an insurance policy that modifies the coverage, terms, or conditions.