AINS 22 Chapter 2

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Across
  1. 2. these laws prohibit uninsured drivers from initiating lawsuits for noneconomic damages such as pain and suffering(4)
  2. 4. an injured motorist can sue for noneconomic losses if their injuries meet a verbal description of serious injures (2)
  3. 7. Laws that require proof auto liability insurance before an accident occurs
  4. 8. under this system, injured person does not need to establish fault in order to collet payment for damages but will not be able to seek damages through the tort liability system(2)
  5. 9. these insurers may accept applications, but underwriting responsibilities are transferred to a pool or shared proportionally by all insurers in that market.
  6. 11. organization that designates serving insurers to handle high-risk insurance business (3)
  7. 15. Provides additional limits of coverage to the victim when the at-fault drivers’ limits are insufficient
  8. 17. A state-wide pool to which insurers can assign premiums and losses for high risk drivers
  9. 18. state insurance___________ require auto insurers to develop rate that are adequate to pay all claims and expenses, reasonable for the exposure and not be discriminatory
  10. 19. und provides compensation for victims who cannot collect from at-fault drivers (3)
  11. 20. auto insurance that is intended to decrease the number of uninsured drivers by making minimal liability coverage at reduced cost(2)
Down
  1. 1. compensates an insured for a hit and run driver (2)
  2. 3. this type of no-fault plan places no restrictions on the right to sue an at-fault driver(2)
  3. 5. these insurers retain full responsibility for underwriting high-risk drivers
  4. 6. most state offer this for high-risk drivers who cannot obtain auto insurance in the voluntary market (3)
  5. 10. requirements become effective only after an accident, conviction or judgement (2)
  6. 12. insured can chose whether to be covered on a modified no-fault plan or not
  7. 13. this type of no-fault plan places some restrictions on the right to sue an at-fault driver but does not entirely eliminate the right.
  8. 14. under this system, injured auto accident victims must prove that another party was at fault before they can collect damages
  9. 16. injured motorist can sue for noneconomic losses if stated loss amount has been exceeded (2)