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Adverse Carrier Includes insurance against loss through damage or legal liability for damage, to property caused by the use of teams or vehicles other than ships, boats, or railroad rolling stock, whether by accident or collision or by explosion of engine, tank, boiler, pipe, or tire of the vehicle, and insurance against the theft of the whole or part of such vehicle (California Insurance Code §115). Card member: An individual who owns a card or who is authorized to use a card. Also called 'cardholder'. 
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Certain drivers (usually over age 50) who have voluntarily taken a defensive driving course may qualify for this discount on their auto insurance premiums. Credit automatically available up to a predetermined maximum limit so long as a customer makes regular payments. Named Insured 
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Public Record Data Total Loss Identity Theft or Credit Theft: Stealing some key personal information like social security number, credit card details, etc., of an individual and using it for acquiring credit or making purchases. More on identity theft. 
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In umbrella insurance, self-insured retention is similar to a deductible in other types of insurance. The self-insured retention is the amount of damages for which the policyholder is responsible before the umbrella coverage begins to cover a loss. Tort Subrogation. The legal process by which an insurance company seeks to recover a claim it has paid from another company or person who is legally liable for it. 
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