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In health insurance, coinsurance is a percentage of each claim above the deductible paid by the policyholder. For insurers that do provide cover for such activities, it is unlikely they will cover liability and personal accident. If a premium is paid during the grace period, the premium is considered to have been paid on time. Driver Training Discount — A discount for people who have taken a driver training course; not available in all states or for all individuals. Draw the Line I. Death Benefit — The limit of insurance or the amount of benefit that will be paid in the event of the death of a covered person. Appraisal — Process that determined the value of property, or the extent of damage, usually performed by an impartial expert. Coverage — The scope of protection provided under an insurance policy. These types of drivers are desirable to insurance companies for their low-risk driving habits. There are four parts to a life insurance contract: Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy. Proof of Loss — A statement made regarding the extent of the claim, which may be requested in accordance with the conditions of the policy.

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