Type
Crossword
Description

Drivers who would be denied by insurance coverage but are required to be covered by law. ASSIGNED RISK
a formal request for payment made by an insured individual to their policy provider. CLAIM
a contract between you and the insurance company that protects you against financial loss in the event of an accident. AUTO INSURANCE
a contract of insurance. POLICY
an amount to be paid for an insurance policy. PREMIUM
provides protection against claims resulting from injuries and damage to people and/or property. LIABILITY INSURANCE
the chance something harmful or unexpected could happen. RISK
the organized provision of medical care to individuals or a community. HEALTH CARE
not covered by insurance. UNINSURED
having inadequate insurance coverage UNDERINSURED
damage or destruction of real or personal property. PROPERTY DAMAGE
any damage to a person's physical condition including pain or illness BODILY INJURY
an optional auto insurance coverage that helps pay you or your passengers' medical expenses resulting from a car accident. MEDICAL PAYMENT
pays to repair or replace a covered vehicle that's stolen or damaged by something other than collision or rolling over. COMPREHENSIVE COVERAGE
a general term for a group of insurance coverages that protect your vehicle. PHYSICAL DAMAGE INSURANCE
a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object. COLLISION COVERAGE

5-4 Auto Insurance Crossword

Type
Crossword
Description

type of insurance that pays for the repair or replacement of an insured car if it is damaged no matter who is at fault. Usually required if there is a loan on the car. collision insurance
insurance that pays for part of the cost of a rented car if a car is disabled because of a collision. car rental insurance
insurance that covers towing or road service when a car is disabled. emergency road service insurance
a person who predicts how many customers will submit claims based on a criteria such as age or sex or marital status or driving record and residence. actuary
an extra fee paid to car insurance company for dividing an annual premium into monthly, quarterly or semiannual payments. surcharge
part of the repair or damages that a driver has to pay before the insurance company pays. deductible
covers bodily injury during an accident liable, the responsible person that pays for damages they cause with their automobile. bodily injury liability
at fault for causing an accident. You can be sued for this. negligent
contract between a person and insurance company. The driver pays a fee and the company covers certain costs when the driver makes a claim. premium, the amount paid for an insurance policy. automobile insurance
a request for payment by a driver involved in an accident to an insurance company. claim
insurance that covers a person from damages. liability insurance
insurance that covers damage a driver causes to another person's property. property damage liability
coverage that pays for injuries to a driver or passengers caused by a driver who has no insurance or does not have enough insurance to cover the medical losses. uninsured motorist protection
an added insurance coverage mandatory in some states that pays for any physical injuries that the driver or passenger sustain while in the vehicle. Also called no fault insurance. personal injury protection
same as personal injury protection. no fault insurance
insurance that covers the repair or replacement of parts of an insured car damaged by fire or vandalism or any other disaster. it also covers if the car is stolen. comprehensive insurance

Property & Liability Insurance Crossword

Type
Crossword
Description

Is insurance that protects renters from property and liability risks. Renters policy
Is an insurance that protects property owners from property and liability. Homeowner’s policy
: Is a written amendment to an insurance policy. Policyholders often use endorsement to add coverage to their policy for an additional premium. Endorsement
A provision requiring policyholders to insure their building for a stated percentage of its replacement value in order to receive full reimbursement for a loss. Coinsurance clause
Is an insurance to protect against claims for bodily injury to another person or damage to another person’s property Liability coverage
: Is a dangerous place, condition, or object that is particularly attractive to children, such as swimming pools. Attractive nuisance
Is automobile insurance that protects you own car against damage from accidents or vehicle overturning. This coverage will pay for the damage to your car in the event you are at fault and the other driver’s liability insurance does not have to pay. Collision coverage
Is automobile insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault. injury protection
Is automobile insurance that pays for your injuries when the other driver is legally liable but unable to pay. motorist coverage
Is automobile insurance in which drivers involved in an accident receive reimbursement for their medical and repair expenses from their own insurer. No fault insurance
Known as personal catastrophe policy, supplements your basic auto and property liability coverage by expanding reimbursement limits and including some risks that were excluded in the basic coverage. Umbrella insurance
: Is insurance coverage for the insured’s move able property wherever it may be located. Floater
The causes might be fire, theft, tornado, hail, water, falling objects, natural disasters, and acts of vandalism. Comprehensive

Chapter 34: Vehicle and Property Insurance Crossword

Type
Crossword
Description

the value of the automobile when it was new minus depreciation actual cash value
decline in value of an asset because of use depreciation
requires drivers to pay for any damages or injuries they cause in an accident financial responsibility law
requires drivers to have a minimum amount of car insurance compulsory insurance law
drivers involved in car accidents collect damages from their own insurer no matter who is at fault. no fault insurance
request for payment from an insurer for any damages covered by a policy claim
amount in damages a policyholder must pay before the insurance company pays a claim deductible
property attached to land, house, business, garage, or other building. real property
consists of possessions that can be moved personal property
insure against damage due to fire or lightning standard fire policy
add other types of protection to basic policy extended coverage
an addition to a policy that cover specific property or damages riders
full cost of repairing or replacing the property, regardless of the depreciation value replacement value

Basics of Health Insurance Crossword

Type
Crossword
Description

An established schedule of fees set for services performed by providers and paid by the patient fee for service
protection in return for periodic premium payments that provides reimbursement of expenses resulting from illness or injury Health insurance
the sum of money paid at the time of medical service; it is a form of coinsurance copayment
provision frequently is found in medical insurance policies whereby the policyholder and the insurance company share the cost of covered losses in a specified ratio coinsurance
Civilian Health and Medical Program of the Veterans Administration known as CHAMPUS
states that when an individual is covered under two insurance policies, the insurance plan of the policyholder whose birthday comes first in the calendar year (month and day, not year) becomes the primary insurance. birthday rule
A term used in managed care for an approved referral authorization
a payment method used by many managed care organizations in which a fixed amount of money is reimbursed to the provider for patients enrolled during a specific period of time, no matter what services were received or how many visits were made. Capitation
a letter or statement from Medicare that describes what was paid, denied, or reduced in payment. EOMB
Pays expenses involved in the care of the teeth and gums Dental care
Protects a person in the event of a certain type of accident, such as an airplane crash Special risk insurance
Often includes benefits for medical expenses payable to individuals who are injured in the insured person’s home or during an automobile accident Liability insurance
Covers a continuum of maintenance and health services for chronically ill, disabled, or mentally retarded individuals Vision care
Provides payment of a specified amount on the insured’s death Life insurance
Pays the cost of all or part of the insured person’s hospital room and board and specific hospital services Hospitalization
a review of individual cases by a committee to make sure services are medically necessary and to study how providers use medical care resources utilization review
40. An insurance term used when a primary care provider wants to send a patient to a specialist referral
periodic (monthly, quarterly, or annual) payment of a specific sum of money to an insurance company for which the insurer, in return, agrees to provide certain benefits premium
person who pays a premium to an insurance company and in whose name the policy is written in exchange for the insurance protection provided by a policy of insurance policyholder
a general practice or nonspecialist provider or physician responsible for the care of a patient for some health maintenance organizations gatekeeper

Property Insurance Crossword

Type
Crossword
Description

Policy provides a list of causes of loss that are covered. NamedPerils
Policy covers all causes of loss except those specifically excluded. OpenPerils
Taking of property using or threatening bodily harm. Robbery
Taking of property that involves forcible entry to or exit from the property. Burglary
Includes any act of stealing. Theft
Specified amount of each loss the insured must bear. Deductible
Process in which a disputed claim is decided by a neutral third party. Arbitration
Cost to replace property without accounting for depreciation. ReplacementCost
Cost to repair or replace minus depreciation. ActualCashValue
Acronym used to represent to parts of a policy. Dice
Limit for a single item for a single limit. Specific
Limit for one or more items of property on a single policy with amounts on a schedule. Scheduled
Limit for property located at more than one location or more than one type of property or both. Blanket
Used to encourage insured to carry enough insurance to value. Coinsurance
An organization not normally protected by a policy but through endorsement is granted status as an insured. Additional Insured
A person protected by an insurance contract. Insured
Type of loss that causes direct damage. DIrect
Type of loss that is not the result of a peril. Indirect

Home Insurance Crossword Puzzle

Type
Crossword
Description

Many insurance companies will give you a ______________ when you purchase both auto and home insurance policy with them discount
A home insurance policy covers your liability if someone slips on your sidewalk and has a _______________ (2 words) personal injury
The part of your home insurance policy that pays for damage you unintentionally cause, person damage or injuries other people liability
The amount that it would cost you to go out and replace your old damaged TV in the store today (2 words) replacement value
The decrease in value of your property or the difference between the ACV and the replacement cost depreciate
Proving your ownership of lost or damaged property or the reason Mom says you should keep your receipts (3 words) proof of loss
The current or "book value" of your personal property (3 words) actual cash value
If your place has a fire and it is getting fixed, insurance coverage will help pay for a __________ (2 words) temporary stay
Insurance policy provision that states you will pay a specified amount of a claim before the company pays deductible
A home or renter's insurance policy pays for ______________ if you have a fire and it destroys your home or apartment complex (2 words) property damage
The amount you pay for in exchange for insurance coverage premium
A request for payment under the terms of the insurance policy claim
A written document that serves as evidence of an insurance contract with contains the pertinent facts about the policy owner, the insurance coverage, and the insured and insurer policy

Automobile Insurance Crossword

Type
Crossword
Description

insurance which reduces the financial impact of an automobile accident Automobile Insurance
insurance which covers physical injuries to others caused by an automobile accident for which the policyholder was responsible Bodily Injury Liability
insurance which applies when the policyholder damages the property of another person Property Damage Liability
financial institution agreeing to compensate for losses of individuals or businesses resulting from damages, injury, treatment or hardship Insurance Company
insurance which applies to the medical expenses of anyone who is injured in policyholder’s automobile, no matter who was at fault for the accident Medical Payments Coverage
insurance which covers costs if an individual is involved in a car accident with an uninsured driver Uninsured Motorist Protection
insurance which covers damage to the policy holder’s car when it is involved in an accident Collision Insurance
insurance which covers physical damage to an individual’s car which occurs as a result of a non-collision incident Comprehensive Insurance
year, make and model of a vehicle Vehicle Type
residential location used to determine the automobile insurance premium Rating Territory
consists of people who cannot obtain an insurance policy from regular carriers due to poor driving record or other factors Assigned Risk Pool
extension of the overage period on an item in which the manufacturer guarantees to repair or replace if necessary within a specific time period Extended Warranty

Insurance Terms Crossword

Type
Crossword
Description

Business person who analyzes the probabilities of risk/risk management. Actuary
Person who sells, services, or negotiates insurance policies either with a company or individually. Agent
Physical injury that can include sickness/disease to a person Bodily Injury
A clause in most property insurance policies to encourage policyholders to carry a good amount of insurance. If the insured person doesn’t maintain the amount specified in the clause (usually 80%), the insured person will share a higher proportion of the loss. Coinsurance
The date when an insurance company issues a policy. Date of Issue
Portion of the insured loss paid by the policyholder Deductible
Amount at which an asset can be bought or sold in a transaction between willing parties. Fair Value
The termination of a policy due to failure to pay the required renewal premium. Lapse
It is a state assistance program, to provide hospital and medical expense insurance to people over 65 years of age. Medicare
Money charged for the insurance coverage reflecting expectation of loss. Premium
Uncertainty including the possibility of loss by an unexpected event for which insurance is used for. Risk
homeowners insurance sold to tenants living in the described property. Tenants
The person who identifies and classifies the degree of risk posed by the person trying to be insured. They determine whether or not coverage should be provided and what the rate should be Underwriter
Insurance that will cover an employer’s liability for injuries or death to people in their employment Workers' Compensation
The amount that has to be paid by the insured person during a calendar year before the insurer is responsible for more loss costs Deductible

Insurance Review Crossword

Type
Crossword
Description

Provides payments for both liability and property insurance on a vehicle automobile-insurance
Receives money if a person dies beneficiary
Out-of-pocket money paid by policyholder before an insurance company deductible
Money paid for health care health-insurance
Financial product purchased to protect one against the risk of loss insurance
The chance of loss from an event that cannot be entirely controlled risk
Someone who relies on someone else for income dependent
Provides payment payment beneficiaries who were named by the insured person life-insurance
When the act of insuring an event increases the likelihood that the event will happen moral-hazard
A person who owns the insurance policy policyholder
The money paid to an insurance company to purchase policy premium
Cash set aside that can be used to cover the costs of unexpected expenses emergency-savings
A formal request to an insurance company asking for a payment when the policyholder has an accident, illness, or injury claim
Requires the insured individual to pay a fixed percentage of the loss after the deductible has been paid co-insurance
Provides payments to replace earnings during times when workers cannot work due to illness or injury disability-insurance
Employers may offer employees benefits in the form of products of services that add extra value for the employee beyond earned wages employee-benefits
The donation of a product or service in place of cash in-kind-income

Insurance Terms Crossword

Type
Crossword
Description

Something that happens when 2 vehicles hit each other Collision
Non-collision insurance coverage Comprehensive
A person in a vehicle other than the driver Passenger
A person walking along a road Pedestrian
A formal declaration of events and facts Statement
A thing used to transport people or goods Vehicle
A particular place or position Location
A person covered by insurance Insured
An instance of being hurt Injury
A person who adjusts claims Adjuster
A person making a claim Claimant
A person who looks at a vehicle for damages and value Estimator
A public road in a city or town Street
When a vehicle's value is less than the cost of repairs Total Loss
Financial protection provided by an insurance policy Coverage
A specific time that an incident occurred Date of Loss
Declared main driver Principal Operator
Compensation when hurt in a car accident Accident Benefits
The person who has the title of the vehicle Registered Owner