insuranceDefinition from Wiktionary, the free dictionary Jump to: navigation, searchFrom Wiktionary under the GNU Free Documentation License. In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a large, possibly devastating loss. The insured receives a contract called the insurance policy which details the conditions and circumstances under which the insured will be compensated. From Wikipedia under the
GNU Free Documentation License How long does an insurance company need to approve a medical insurance application? Q. My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu. Asked by Mei Xiang - Sun Sep 27 13:30:32 2009 - - 1 Answers - 0 Comments A. insurance tips : Answered by Path Ock - Sun Sep 27 17:33:30 2009 Where do car insurance companies get your driving record in CA? Q. I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear? Asked by True2it - Mon Dec 10 16:40:30 2007 - - 6 Answers - 1 Comments A. Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability. Answered by Scott H - Mon Dec 10 17:17:53 2007 What is that Insurance commercial with the man and woman having an conversation?
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