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Optional coverage that helps pay rental vehicle costs when your insured vehicle is disabled as the result of a covered accident or loss. Available to most policyholders for an additional premium. Carrier Public Record: The information obtained from the court records by the credit reporting agency. The information which is related to the debt obligation of the individuals or businesses is included in their respective credit reports, which are called 'public record data'. Examples include information about tax lien, bankruptcy filing and judgment. Know more about bankruptcy public records. 
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Permissible Purposes: These are the legally defined permissible purposes for which the credit report of a consumer can be requested and obtained. Permissible purposes mainly include credit transactions, employment purposes, underwriting of insurance, court orders, lawful business needs, etc. Net Liabilities to Policyholder Surplus - Net liabilities expressed as a ratio to policyholder surplus. Net liabilities equal total liabilities less conditional reserves, plus encumbrances on real estate, less the smaller of receivables from or payable to affiliates. This ratio measures company's exposures to errors of estimation in its loss reserves and all other liabilities. Loss-reserve leverage is generally the key component of net liability leverage. The higher the loss-reserve leverage the more critical a company's solvency depends upon maintaining reserve adequacy. Lapsed policy. A policy terminated for non-payment of premiums. Level premium life insurance. Life insurance for which the premium remains the same from year to year. 
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A Chapter 13 Bankruptcy is defined in the Bankruptcy Code. This chapter allows for a repayment plan to be put in to place to pay off debtors over time. The court is the ultimate decider of how this repayment plan will be structured. It is assessed on the individuals or businesses expected future income. CLAIMANT Any change made to your insurance policy during the period that the policy is in force. 
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Personal Line of Credit    The maximum amount you can owe at any time, based on your income, debt and your credit history. Information on your personal credit report associated with your records that has been reported to us by you, your creditors and other sources. It may include name variations, your driver’s license number, Social Security number variations, your date or year of birth, your spouse’s name, your employers, your telephone numbers, and information about your residence. Major medical insurance. Health insurance to cover medical expenses over and above that of a basic health insurance policy. 
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