Risk and Insurance

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Across
  1. 3. Your insurance pays for your injuries regardless of who caused the accident (used in some states).
  2. 6. The process an insurance company uses to decide whether to offer you coverage and at what price.
  3. 10. Covers non-collision damage like theft, fire, hail, or hitting a deer.
  4. 11. Things that are not covered by your insurance policy.
  5. 12. A specific event that causes damage or loss, like a fire, theft, or car crash.
  6. 13. Pays for damage to your vehicle after a crash, even if you're at fault.
  7. 14. A written contract that explains what is covered and what is not under your insurance.
  8. 17. The amount you pay (usually monthly or yearly) to have insurance coverage.
  9. 20. Pays for damage you cause to someone else's property, like their car, house, or mailbox.
  10. 21. Loss When the cost to repair a car is more than the car is worth—it’s considered a “totaled” vehicle.
  11. 23. A professional who uses math and statistics to calculate insurance risks and premiums.
  12. 24. Covers the gap when the other driver has insurance, but not enough to pay for your damages.
  13. 25. A condition that increases the chance of loss or damage (like icy roads or distracted driving).
Down
  1. 1. Extra liability coverage that goes beyond the limits of your auto or home insurance in case of a big claim.
  2. 2. Protects you if you're hit by a driver with no insurance.
  3. 4. Covers costs if you injure someone else in a car accident you caused, including medical bills and legal fees.
  4. 5. The loss of value in your car over time due to age and wear.
  5. 7. Pays for repairing or replacing broken car windows and windshields.
  6. 8. The amount you must pay out-of-pocket before your insurance kicks in.
  7. 9. (PIP) Covers medical costs for you and your passengers, regardless of who is at fault.
  8. 15. Limit The maximum amount your insurance company will pay for a specific type of loss.
  9. 16. A request you make to your insurance company for payment after a loss or accident.
  10. 18. General term for insurance that covers damage or injury you cause to others.
  11. 19. The chance that something bad (like an accident or loss) could happen.
  12. 22. An insurance employee who investigates and settles claims.