Here are some other terms you might find useful when navigating your car insurance policy.
Your insurance policy is a contract between you, the insured, and your insurance company, the insurer. It states both parties’ responsibilities and coverages.
Causes of Loss Forms
Causes of loss forms are part of your exclusions, specifically excluded perils. Your insurance policy might exclude damage from catastrophic events like a biochemical attack, freezing, or rain damage from a window you left open.6
A coverage form is a section of your policy that defines your policy terms and includes your insuring agreement, as well as other provisions of your coverage, like any endorsements, exclusions, conditions, coverage details, and covenants.