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A person responsible for investigating and settling a claim. Reinstatement clause. A clause that lets the policyholder reinstate an insurance policy upon completion of reinstatement application accepted by the company and payment of back premium. The customer should check with the insurance company to see that the cash value of the policy was not reduced. Chartered Property and Casualty Underwriter (CPCU) -Professional designation earned after the successful completion of 10 national examinations given by the American Institute for Property and Liability Underwriters. Covers such areas of expertise as insurance, risk management, economics, finance, management, accounting, and law. Three years of work experience also are required in the insurance business or a related area. 
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Statutory Reserve - A reserve, either specific or general, required by law. Password: A sequence of characters that allows customers to access a system. 'Personal identification number' or PIN is an example of a password that allows consumers to access their accounts to carry out banking transactions at an ATM machine. Protection for problems that are not typically handled by your auto insurance, such as: 
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