Progressive

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Across
  1. 5. protection for an insured as provided by the policy.
  2. 6. equipment that is used in the course of doing business & is bolted or welded to the Insured's vehicle or trailer.
  3. 7. Body type used when a customer lists a tractor that pulls non-owned trailers. None of which are pulled on a consistent basis.
  4. 11. the actual number of the day of the year Ex: November 13 would be, Julian Date 318.
  5. 12. General term for coverage of the insured’s vehicle, this general term includes Collision Coverage as well as Comprehensive, or Fire & Theft with Combined Additional Coverages (F&T w/CAC).
  6. 13. designed to provide essential management tools, including personalized monthly production numbers, to help our Authorized Independent Agents reach & exceed their business goals.
  7. 15. a branch of the federal government that regulates the transportation of goods and people. Disbanded in 1994 and now regulated by the Federal Highway Administration (FHWA).
  8. 17. autos that are listed on the policy.
  9. 20. Is designed for use in a pickup truck similar to a Fifth Wheel. The difference is that the gooseneck uses a ball and coupler instead of a kingpin and pin receiver. Typically, the trailers that are most commonly used for this type of gooseneck hitch is a horse trailer. Gooseneck hitches are offered in a few types of configurations. They are designed to be mounted above or below the trucks pickup bed. Either design allows for minimal obstruction when the ball is not in the towing position.
  10. 24. nine-digit number that the IRS assigns to identify taxpayers that are required to file various business tax returns.
  11. 25. across the border of one state into another state.
  12. 26. the person or organization in whose name the policy is taken out.
  13. 28. At-fault accident.
  14. 33. 10 or more power units on a policy.
  15. 34. a contract or arrangement in which the use of equipment is granted to an authorized carrier by the owner to transport property in exchange for compensation.
  16. 35. damage to the insured’s or claimant’s property which is so severe that the cost of repairing the damage is greater than the value of the property. Salvaged vehicles & total loss vehicles are considered the same.
  17. 37. the continuation of an expired policy by extending the expiration date for a new policy period when requested by the insured.
  18. 38. within the borders of one state.
  19. 39. Alternative form of Non-Trucking Liability that typically provides coverage only when the tractor is operated without an attached trailer, whether under dispatch or not.
  20. 41. the damage to property caused by an accident.
  21. 44. a dollar amount that the insured must pay before the insurance benefits begin.
  22. 45. an arrangement where an individual is hired to provide passenger transportation exclusively to the Amish (includes Mennonites) for their business and/or personal needs
  23. 46. a payment by check.
  24. 47. a report provided by the State Bureau of Motor Vehicles that provides the information and driving record of a motorist.
  25. 48. claims history database that gathers information from many insurance companies.
  26. 50. waives all subrogation claims against any person or organization with whom the customer has a written contract requiring a written waiver agreement.
  27. 51. the total weight capacity of a fully loaded vehicle (weight of vehicle + weight of load).
  28. 56. the processing time period for new business from the time it is received in incoming mail until the day it is mailed out to the agent.
  29. 58. a slang word for a refrigerated truck or trailer.
  30. 61. a vehicle designed, without a body, used primarily as a power unit to pull semi-trailers.
  31. 62. any material, substance or liquid considered hazardous due to its nature of being flammable, corrosive, toxic, explosive, or other similar characteristics. This type of risk typically requires placards that signify the type of material being transported.
  32. 63. an endorsement that eliminates our opportunity to recover losses from a third party.
  33. 66. the period of time after inception that we are given by law, to decide whether we wish to accept or reject a risk on new business policies only.
  34. 67. Number of days’ notice before a policy cancels for non-payment.
  35. 69. Businesses primarily engaged in time sensitive point-to-point delivery generally involving a truck smaller than a tractor trailer. May be owner operators leased on, or working under their own authority, but does not include brokers or freight forwarders. May also be known as Hotshotter.
  36. 71. a driver who has been locked/restricted to the policy due to their driving history
  37. 72. Businesses primarily engaged in time sensitive point-to-point delivery generally involving a truck smaller than a tractor trailer. May be owner operators leased on,or working under their own authority, but does not include brokers or freight forwarders. May also be known as Expeditor.
  38. 76. a vehicle that takes the place of a listed vehicle on a policy when a listed vehicle is temporarily inoperable due to breakdown, servicing or loss.
  39. 77. the frame of a vehicle without the cab or sheet metal.
  40. 78. check is written and there is not enough money in the account to cover the check amount.
Down
  1. 1. combines some of the basic coverages needed by a typical small business into a standard package.
  2. 2. a percentage discount given if an insured elects a one-pay payment option. It is not allowed on policies with an OPF. The PIF discount applies to all coverages except for UM/UIM.
  3. 3. Alphanumeric code that identifies a vehicle. Contains up to 17 digits which represent certain information about the vehicle such as manufacturer, model, vehicle year, body style, wheel drive, & engine size.
  4. 4. Pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
  5. 8. Alternative form of Non Trucking Liability that explicitly provides coverage only when the tractor is operated with an empty trailer, whether under dispatch or not. Progressive does not offer this type of Non Trucking Liability.
  6. 9. pays the difference between what you owe on your vehicle & what your insurance covers when your vehicle is damaged beyond repair (totaled) or stolen & not recovered (we do not offer).
  7. 10. an insurance policy that is being paid to date or paid in full.
  8. 14. goods shipped, any article of commerce.
  9. 16. a receipt issued by the New York Department of Motor Vehicles for proof that plates for a particular vehicle have been turned into the state.
  10. 18. an accident where the insured involved is not held responsible for damages.
  11. 19. a specific amount of money paid to an insurance company in return for a specific coverage.
  12. 21. Allows Progressive to verify type of vehicle and accurately determine a Commercial Lines body type code.
  13. 22. Any power unit or trailer listed on the policy.
  14. 23. chance of loss, the individual or property being insured.
  15. 27. All commercially owned AND/OR operated vehicles.
  16. 29. a surface transporter that consolidates imported/exported goods on one end, uses a carrier to move the goods and then distributes on the other. They are not the individual that physically transports the goods.
  17. 30. voiding the cancellation & continuing coverage without a lapse.
  18. 31. a demand of payment for a loss as provided by the policy.
  19. 32. an individual or company in the business of transporting goods or persons
  20. 36. legal action by an insurance company to recover what it has paid for a loss from the person or organization responsible for the loss to its insured; the right of an insurance company to substitute itself for the party it compensates and sue any party that the compensated party could have sued.
  21. 39. Fastened at the bumper or bolted to the chassis of the vehicle.
  22. 40. Half-ton, three-quarter-ton and one-ton are informal classifications for pickup trucks and SUVs that are used to generally classify them by their payload capacities, meaning the maximum weight a pickup can carry in its cargo and passenger areas. Payload is not just what’s in the pickup bed; it also includes all the people and stuff the truck is carrying.
  23. 42. the amount of income producing cargo that a trailer or truck can carry.
  24. 43. Number of days before renewal effective date that the system will begin to set up the renewal offer.
  25. 48. termination of coverage prior to the scheduled expiration date. Policy is considered to be canceled at 12:01 AM on the cancel effective date.
  26. 49. the investigation of certain risks before or during the term of a policy.
  27. 52. the maximum distance traveled one way in air miles, by an insured from the point of garaging to the point of delivery.
  28. 53. any vehicle that the Named Insured acquires ownership of during the current policy term, that has taken the place of a vehicle on the policy due to: termination of ownership of the listed vehicle (sold, salvaged or lease terminated) mechanical breakdown, deterioration or loss of the vehicle rendering it permanently inoperable. Note: In New York, tags must be transferred from one vehicle to another to qualify as a replacement vehicle.
  29. 54. Statement which is sometimes required when reinstating a policy to ensure an accident has not occurred during the "gap" or "lapse" in coverage. May be written or verbal.
  30. 55. a change to a policy after it has been issued, this can be an addition, credit, or a non-premium.
  31. 57. the period of time a policy contract is providing coverage.
  32. 59. A set limit for General Liability that cannot be exceeded during a policy term.
  33. 60. implies a contract, which requires a meeting of the minds of two people.
  34. 64. a person who represents the company and sells insurance on a commission basis
  35. 65. a portion of the insurance contract that contains the specifics about the policy such as: the name and address of the insured, the property insured, effective dates of the policy, amount of coverage, premiums, endorsements, and attachments.
  36. 68. any motorized vehicle that is licensed for the road.
  37. 70. (AKA Loss Payee, LP) the person or firm in addition to the name insured who is to be paid in the event of a total loss; this is usually the bank that holds the loan on the vehicle. Loss Payee is now the preferred term to use.
  38. 73. a vehicle that is radio-dispatched to pick up clients
  39. 74. a listing of losses, claims and claim payments provided by an insurance carrier on a particular insured during a policy period.
  40. 75. Voluntary organization of state officials having authority to regulate insurance. NAIC codes are reference codes used by agents (ex: on ID cards).