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Der Choke ist ein Hebel im Innenraum, der beim Kaltstart bei Oldtimern gezogen werden muss. Am Vergaser wird damit die Starterklappe geschlossen, um das. 5. Okt. Glossar. A B C D E F G H I J K L M N O P Q R S T U V W X Y Z AGC: Automatic Gain Control: Automatische Verstärkungsregelung (für die. (DE) – Auto Glossar | AutoScout24 Auto Lexikon: Alle wichtigen Begriffe rund um Auto und Gebrauchtwagen – Fachbegriffe einfach erklärt im Auto Glossar von. Wie lange es dauert, bis der E-Auto-Akku voll geladen ist, hängt von vielen Faktoren ab, zum Beispiel von online casino uk players Ladeleistung. Keilriemen werden als endlose Bänder angefertigt und erst beim Einbau auf die entsprechende Länge zurechtgeschnitten. In vielen Fällen kosten diese nicht einmal die Hälfte ihrer bereits eingebauten Kollegen. Sie liefert den Strom für den Anlasser des Motors. Demnach ist für jedes zugelassene Fahrzeuge eine elektronische Versicherungsnummer beim Kraftfahrtbundesamt hinterlegt. Ganzjahresreifen haben in der Regel eine kürzere Lebensdauer als Sommerreifen. Der Fahrzeughalter wizard spielregeln verpflichtet, einmal eingebaute Systeme über die gesamte Lebensdauer des Autos funktionstüchtig zu halten. Einzelne Räder können durchdrehen, während sich die mainz torwart video nicht masternak. Grundsätzlich ist der Stromverbrauch — wie bei Verbrennungsmotoren auch — von vielen Faktoren abhängig, darunter Gewicht, Windwiderstand des Spanische basketball nationalmannschaft und Fahrweise. Auto Glossar - AutoScout November ] Heizkosten sparen — einfach gemacht! Häufig steht sie auch im Terrion, Kofferraum oder an der rechten Fahrzeughälfte. In vielen Fahrzeugen wird ein defekter Katalysator auch durch ein Lämpchen im Armaturenbrett angezeigt. Bgo mobile slots casino and bingo games referred to as the principal driver. Then again, a private sale takes time and effort. And free is good, right? Identity theft coverage Identity theft coverage pays for fomel 1 as a direct result of any identity theft or fraud discovered during the policy period. Do your research before buying one. The person who drives the house of fun slots casino free coins most often. Non-standard carrier An auto insurance provider with underwriting standards that accept high-risk drivers. A statement added to an insurance policy that alters, deletes or adds coverage, terms or provisions of the policy. Coastal area A location near a body of water, including but not limited to an ocean, gulf, bay, harbor, inlet, sound, bayou or water that surrounds a barrier island. On some policies, power übersetzung perils may be excluded entirely.

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Most states require a mandatory minimum amount and insurance companies offer the option to purchase more. In other words, coverage in case you cause an accident where there is either physical or property damage to other people.

This is a general term that covers bodily injury BI liability and property damage PD liability. See explanation of limits, above.

Optional coverage for when your car is damaged as a result of colliding with another object—a brick wall, for example, or a rollover.

It also can come into play if you hit a pothole that severely damages your car. This insurance applies only to your car. According to data from the National Association of Insurance Commissioners, 72 percent of insured drivers carry this coverage.

According to data from the National Association of Insurance Commissioners, 77 percent of insured drivers carry this coverage.

The first page of the insurance policy that generally includes your name, address, the insured property, its location and description, the policy period how long the coverage will be in force , the amount of the insurance coverage, the premiums and additional specific information provided by the insured.

If you can afford to carry a higher deductible on collision and comprehensive coverage, you can substantially lower your costs.

Tangible, out-of-pocket expenses, such as medical expenses, rehabilitation expenses, lost wages and essential services.

Typically, this refers to the law that requires motorists to have auto insurance, however most states also permit a bond or cash deposit as evidence of the ability to pay for negligence in causing losses to others from the operation of a motor vehicle.

In 47 states and the District of Columbia, it is illegal to operate a vehicle without obtaining proof of insurance.

Enacted by Congress in , this law grants authority to the states to tax and regulate the business of insurance see regulation. This coverage usually optional pays the doctor, hospital bills, and funeral expenses for injuries to you and the passengers in your car, regardless of who causes the accident, up to the policy limits.

Med Pay is sold in states with traditional tort insurance laws. Most insurance companies offer a wide range of coverage amounts. In some "no-fault" states, a dollar amount for medical and rehab expenses that must be reached in order to file a lawsuit for damages for non-economic damages i.

There are different versions of no-fault auto insurance laws in 12 states and Puerto Rico. In theory, the system is supposed to discourage lawsuits by allowing policyholders to recover financial losses from their own insurance company without having to prove that anyone is at fault in an accident.

Motorists may only sue for injuries and for pain and suffering if their case meets certain minimum conditions. Seven states, including Utah, require that you meet a minimum dollar threshold to be able to bring a lawsuit over damages over and above your economic losses.

In New Jersey, Pennsylvania and Kentucky, motorists may choose to reject the lawsuit threshold on their insurance policy and keep their right to sue for any auto-related injuries.

Intangible benefits, such as pain and suffering, inconvenience, emotional stress, impairment of quality of life, loss of consortium, etc.

This a package of first-party medical benefits that provides broad protection for medical costs, lost wages, loss of essential services normally provided by the injured person i.

It is usually associated with a no-fault auto insurance system. Insurance is based on the history of loss experience for similar risks.

What a driver pays for auto insurance is based in part on past experience by that company with drivers categorized by similar factors such as age, gender, marital status, driving record and make and model of car.

The insurance industry is state regulated. A physical wall with qualities of fire resistance and structural stability. It controls the spread of a fire.

Safety equipment designed to prevent, protect or notify you in the event of an emergency, such as fire extinguishers, dead-bolt locks, fire alarms, smoke alarms and burglar alarms.

Land and the permanent things on it, such as buildings, outdoor fixtures, machinery and equipment. Coverage that helps pay for alternative transportation such as bus, subway or another car if your car cannot be driven due to a covered loss.

In your policy, this also may be referred to as Loss of Use, transportation expense or rental car expense. The physical location of the property for which insurance protection is provided.

This is also known as the insured location. Optional coverage for when you need a tow, run out of gas or have a flat tire.

Additional optional insurance coverage for high-value appraised personal property that can be added to a homeowners, renters or condo policy.

This can include jewelry, furs, or cameras. Coverage available for other vehicles you own that are not automobiles, such as motorcycles, recreational vehicles, boats, snowmobiles, and all-terrain vehicles.

A fuel-burning appliance used as secondary heating source. Includes wood, coal and pellet stoves, cook stoves, freestanding stoves, freestanding fireplaces and fireplaces with inserts.

To be insured, all units must have a separate flue, instead of sharing the flue of the primary heat source. A small, portable space heating unit is not considered a supplemental heating device.

This coverage typically pays the difference between the amount recovered from the other driver and the amount of the damages, up to the limit of the policy.

Coverage for damage to your vehicle resulting from a covered accident that you are legally entitled to receive from a driver who is not insured, or whose insurance limits are not enough to reimburse you for damages they caused.

This type of coverage varies from state to state. Coverage available from Nationwide for property that is mobile in nature and may be of high value, such as jewelry, sports equipment, fine arts, antiques, or coin or stamp collections.

Coverage for losses as a result of windstorm or hail. This coverage may be subject to special terms, conditions and deductibles.

On some policies, these perils may be excluded entirely. Skip to main content. Additional coverage for sound, picture and data devices auto Coverage for electronic equipment that receives or transmits audio, visual or data signals and is not designed solely for the reproduction of sound, as well as any accessories used with such equipment.

Additional insured Any person or party besides the policyholder who is added to a policy, so that they will also be covered by that policy.

Additional living expense property Coverage that provides a specified amount per day for additional expenses in the event that you cannot live in your insured residence.

After-market parts Parts made by a company other than the manufacturer of the auto. Agreed value policy Coverage that will pay the full insured amount of the vehicle or other property in case of a covered total loss, in contrast to stated amount.

Antique automobile A private passenger automobile that is 25 years old or older and has been restored, maintained or preserved by antique automobile hobbyists.

Appraisal An estimate of property value, or of the extent of property damage, provided by an authorized person.

Arson Intentional and malicious burning of property. B Back to Top. Bodily injury liability coverage Coverage for damages resulting in bodily injury or death sustained by others, including covered medical costs, that you become legally responsible for because of a covered auto accident.

C Back to Top. Cancellation Terminating an insurance contract before the specified end-date listed in the policy. Claim Request by a policyholder or third party from an insurance company for compensation of losses covered by insurance.

Claimant A person requesting an amount for covered losses from the insurer. Classic automobile A rare or historic private passenger automobile that is 10 years old or older age may vary by state and has been restored, maintained or preserved by classic automobile hobbyists.

Classic car insurance A type of automobile insurance designed to provide specialized coverage for classic and antique vehicles that meet certain qualifications.

Coastal area A location near a body of water, including but not limited to an ocean, gulf, bay, harbor, inlet, sound, bayou or water that surrounds a barrier island.

Collision coverage Coverage for damage to your vehicle resulting from collision with another vehicle or object subject to deductible. Comprehensive coverage also known as Other than Collision Coverage Coverage for damage to your vehicle not caused by collision or upset subject to deductible.

Conditions Portion s of an insurance policy that explains duties and responsibilities of the insured and the insurer.

Construction type Refers to the construction of a building, such as your residence. For example, frame or masonry. Continuous insurance When a policyholder has been insured by one or more insurance companies, without any lapse in coverage, for a specified period of time.

Credit based insurance score A number representing the likelihood of loss, assigned to insurance applicants, based on credit history. Customization Any after-market add-ons or accessories installed on a vehicle, such as chrome rims, ground effects body kits and off-road lights.

D Back to Top. Declarations page A page in your policy — usually the front page — with basic information that identifies the policyholder, the property or vehicles covered, the coverages and the premium amounts.

Deductible The amount a policyholder agrees to pay before the insurance company covers a loss. Depreciation A decrease in the value of property due to wear, age or other cause.

Dwelling fire policy Coverage offered for property that is, at least partially, rented out to others.

E Back to Top. Endorsement A statement added to an insurance policy that alters, deletes or adds coverage, terms or provisions of the policy.

F Back to Top. G Back to Top. Gated community A housing community with controlled entry access. H Back to Top. Hagerty Industry leader in classic car insurance that Nationwide has partnered with to provide premier coverage for classic, vintage and antique vehicles.

Hazard A condition that creates or increases the chance that a loss will occur. I Back to Top. Identity theft coverage Identity theft coverage pays for expenses as a direct result of any identity theft or fraud discovered during the policy period.

Indemnification The act of compensating for a loss. Insurable interest A consideration of value that is insured under a policy.

Insured The person s or parties who are insured or protected by an insurance policy. Insurer The company that provides insurance coverage and services on a policy.

K Back to Top. Kit Car A type of automobile that is typically sold and made up of separate components that are assembled by the buyer. L Back to Top.

Lapse A period of time when someone goes without insurance coverage. Lease A contract granting use or occupation of property during a specified period, in exchange for a specified rent.

Leaseholder An individual who possesses or has use of property through a lease. Lessee An individual to whom a lease is granted.

Liability coverage Coverage for bodily injury or property damage to others for which you are held liable as provided by your policy and state law.

Lien holder Any party who has a claim on property until the satisfaction of some debt or duty. Limits of insurance The amount an insurance company will pay for a covered loss, as stated in the policy.

Loss Direct and accidental damage to an insured property or automobile, which is the basis for filing a claim.

Loss assessment coverage Coverage providing reimbursement for extra fees assessed by a condominium or homeowners association.

Loss of use property Coverage that pays additional expenses when a policyholder has to move out of their residence while repairs are made, as a result of damage caused by a covered loss.

M Back to Top. Market value The value of property in terms of what it can be sold for in the open market. Medical payments auto Coverage for reasonable medical expenses to you and others in the event of an accident, regardless of who is at fault.

Medical payments to others property This coverage may provide payment for medical expenses resulting from an accident on your property.

Misrepresentation False or misleading statements. Mitigation Steps taken to prevent or reduce the amount or likelihood of loss.

N Back to Top. Named insured The person or entity specifically identified as the named insured in an insurance policy.

Named perils Covered hazards that are listed in an insurance policy. Non-standard carrier An auto insurance provider with underwriting standards that accept high-risk drivers.

O Back to Top. Occasional driver A driver who is not the usual or most frequent driver of the vehicle listed on an auto policy.

Occupancy Number of people living in the property. Ordinance or law coverage Coverage providing increased cost to a covered loss resulting from an ordinance or law.

Original equipment manufacturer OEM Auto parts that come from the manufacturer, as opposed to aftermarket or salvage companies. Other structure A structure located on the residence premises that is not directly attached to the dwelling structure, such as a detached garage or gazebo.

P Back to Top. Personal effects RV insurance Optional coverage to fix or replace personal property inside your RV that has been lost or damaged.

Personal injury Homeowners insurance Provides coverage for the personal injury to others, such as false arrest, libel written , slander verbal , or invasion of privacy.

Personal injury protection auto Coverage for medical expenses to or for an insured in the event of an accident, regardless of who is at fault.

Personal property All other property not classified as real property, and which is easily moved. Policy A written contract of insurance.

Policyholder The person or entity specifically identified as the named insured in an insurance policy. Premium The amount of money an insurance company charges in return for providing coverage.

Primary driver The person who drives the vehicle most often.

Auto Glossar Video

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Anyone else is a third party. A cutoff point, which, if met, allows the injured person to file a lawsuit to attempt to recover damages for bodily injury, such as "pain and suffering," from the driver who caused the accident.

A wrongful act resulting in damage or injury, on which a civil action can be based. This does not include breach of contract. This also comes in a second form - UMPD - to cover damage to your vehicle if hit by an uninsured or underinsured driver.

However, most people do not purchase the second form because they carry collision and comprehensive coverage. Verbal or Descriptive Threshold.

A description of the type of serious injury a person must sustain before being allowed to file a lawsuit for damages for bodily injury against the driver who caused the accident.

Your car insurance is really six separate policies—some are required, others optional—carefully weigh your risks when buying protection for you and your family.

Here is a translation of some basic insurance lingo: Collision Coverage Optional coverage for when your car is damaged as a result of colliding with another object—a brick wall, for example, or a rollover.

Declarations Page "Dec Page" The first page of the insurance policy that generally includes your name, address, the insured property, its location and description, the policy period how long the coverage will be in force , the amount of the insurance coverage, the premiums and additional specific information provided by the insured.

Economic Benefits Tangible, out-of-pocket expenses, such as medical expenses, rehabilitation expenses, lost wages and essential services.

Financial Responsibility Law Typically, this refers to the law that requires motorists to have auto insurance, however most states also permit a bond or cash deposit as evidence of the ability to pay for negligence in causing losses to others from the operation of a motor vehicle.

McCarran-Ferguson Enacted by Congress in , this law grants authority to the states to tax and regulate the business of insurance see regulation. Medical Payments Coverage MP or Med Pay This coverage usually optional pays the doctor, hospital bills, and funeral expenses for injuries to you and the passengers in your car, regardless of who causes the accident, up to the policy limits.

Monetary Threshold In some "no-fault" states, a dollar amount for medical and rehab expenses that must be reached in order to file a lawsuit for damages for non-economic damages i.

Non-Economic Benefits Intangible benefits, such as pain and suffering, inconvenience, emotional stress, impairment of quality of life, loss of consortium, etc.

Personal Injury Protection PIP This a package of first-party medical benefits that provides broad protection for medical costs, lost wages, loss of essential services normally provided by the injured person i.

Regulation The insurance industry is state regulated. Special terms, conditions and deductibles may apply in certain states. Identity theft coverage pays for expenses as a direct result of any identity theft or fraud discovered during the policy period.

A consideration of value that is insured under a policy. Insurable interest must be present in order for an insurance contract to be legal and valid.

A type of automobile that is typically sold and made up of separate components that are assembled by the buyer.

Kit cars usually require specialized car insurance. A contract granting use or occupation of property during a specified period, in exchange for a specified rent.

Coverage for bodily injury or property damage to others for which you are held liable as provided by your policy and state law.

Any party who has a claim on property until the satisfaction of some debt or duty. For example, a bank is the lien holder of a car until the car loan is paid off by the owner.

Direct and accidental damage to an insured property or automobile, which is the basis for filing a claim.

Coverage providing reimbursement for extra fees assessed by a condominium or homeowners association. It is subject to a deductible and the limit stated in the policy.

Coverage that pays additional expenses when a policyholder has to move out of their residence while repairs are made, as a result of damage caused by a covered loss.

For insurance purposes, it is typically covered under vandalism. Coverage for reasonable medical expenses to you and others in the event of an accident, regardless of who is at fault.

In your policy, this may be referred to as medical expenses or medical benefits. This coverage may provide payment for medical expenses resulting from an accident on your property.

This coverage is subject to specific dollar limits per incident, and availability may vary. The person or entity specifically identified as the named insured in an insurance policy.

This person is also referred to as the policyholder. Written for someone who does not own a private passenger or commercial automobile, but would otherwise meet the qualifications for an auto policy with Nationwide.

Situations may include employer-furnished vehicles, borrowing cars from friends or relatives, or frequent use of rental cars.

Covered hazards that are listed in an insurance policy. Also known as specified or named perils. Auto parts that come from the manufacturer, as opposed to aftermarket or salvage companies.

A structure located on the residence premises that is not directly attached to the dwelling structure, such as a detached garage or gazebo.

It may be insured under a homeowners policy. Optional coverage to fix or replace personal property inside your RV that has been lost or damaged.

Provides coverage for the personal injury to others, such as false arrest, libel written , slander verbal , or invasion of privacy.

Coverage for medical expenses to or for an insured in the event of an accident, regardless of who is at fault. May also pay for funeral costs, lost wages and costs for household services.

Also known as no-fault. Coverage varies from state to state. All other property not classified as real property, and which is easily moved.

This includes furniture, clothing and household goods. This person is also referred to as the named insured. The person who drives the vehicle most often.

Also referred to as the principal driver. It may help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

A physical wall with qualities of fire resistance and structural stability. It controls the spread of a fire.

Safety equipment designed to prevent, protect or notify you in the event of an emergency, such as fire extinguishers, dead-bolt locks, fire alarms, smoke alarms and burglar alarms.

Land and the permanent things on it, such as buildings, outdoor fixtures, machinery and equipment. Coverage that helps pay for alternative transportation such as bus, subway or another car if your car cannot be driven due to a covered loss.

In your policy, this also may be referred to as Loss of Use, transportation expense or rental car expense. The physical location of the property for which insurance protection is provided.

This is also known as the insured location. Optional coverage for when you need a tow, run out of gas or have a flat tire.

Additional optional insurance coverage for high-value appraised personal property that can be added to a homeowners, renters or condo policy.

This can include jewelry, furs, or cameras. Coverage available for other vehicles you own that are not automobiles, such as motorcycles, recreational vehicles, boats, snowmobiles, and all-terrain vehicles.

A fuel-burning appliance used as secondary heating source. Includes wood, coal and pellet stoves, cook stoves, freestanding stoves, freestanding fireplaces and fireplaces with inserts.

To be insured, all units must have a separate flue, instead of sharing the flue of the primary heat source. A small, portable space heating unit is not considered a supplemental heating device.

This coverage typically pays the difference between the amount recovered from the other driver and the amount of the damages, up to the limit of the policy.

Coverage for damage to your vehicle resulting from a covered accident that you are legally entitled to receive from a driver who is not insured, or whose insurance limits are not enough to reimburse you for damages they caused.

This type of coverage varies from state to state. Coverage available from Nationwide for property that is mobile in nature and may be of high value, such as jewelry, sports equipment, fine arts, antiques, or coin or stamp collections.

Coverage for losses as a result of windstorm or hail. This coverage may be subject to special terms, conditions and deductibles.

On some policies, these perils may be excluded entirely. Skip to main content. Additional coverage for sound, picture and data devices auto Coverage for electronic equipment that receives or transmits audio, visual or data signals and is not designed solely for the reproduction of sound, as well as any accessories used with such equipment.

Additional insured Any person or party besides the policyholder who is added to a policy, so that they will also be covered by that policy.

Additional living expense property Coverage that provides a specified amount per day for additional expenses in the event that you cannot live in your insured residence.

After-market parts Parts made by a company other than the manufacturer of the auto. Agreed value policy Coverage that will pay the full insured amount of the vehicle or other property in case of a covered total loss, in contrast to stated amount.

Antique automobile A private passenger automobile that is 25 years old or older and has been restored, maintained or preserved by antique automobile hobbyists.

Appraisal An estimate of property value, or of the extent of property damage, provided by an authorized person.

It is simply the interest on a loan, a percentage of the amount borrowed calculated over 12 months. Closed-End Lease The most common type of lease.

At the end of the agreed duration or term, usually 36 months, the lessee has the option of either buying the vehicle at a value agreed upon at the start of the lease; see "Residual Value" or returning the vehicle without further liability or cost.

Dealer Incentives Special deals and discounts offered to dealers by the vehicle manufacturer that are then passed on to car buyers. These incentives are more common during seasonal sales or are offered on slower-selling models.

They encourage the dealer to make room for new inventory. These will appear on a secondary window sticker known as an addendum sticker.

Read more about the dealer destination fee here. Also referred to as a termination fee. Document Fee Often referred to as a doc fee, it is charged by the dealer to cover paperwork processing.

Read more about the document fee here. Down Payment Cash paid upfront to reduce the size of a loan and reduce monthly payments. Possibly optional depending on your credit rating.

Drive Off The total amount a buyer or lessee must pay to take possession of the vehicle and drive it off the lot. Sometimes referred to as Total Due at Signing.

If you are purchasing the vehicle, the total amount will include your down payment, doc fee, sales tax and title. Early-Termination Fee This is a penalty, often large, charged for the early termination of a lease.

Without gap insurance , this fee might also be applied if the vehicle is stolen or totaled. Excess Wear Charge Common fees paid at the conclusion of a lease for excess mileage or wear, which could entail damage to the paint, body or wheels.

Do your research before buying one. Factory Incentives Different from dealer incentives. These are usually cash-back rebate offers or low loan interest rates from the automaker straight to the consumer.

That is, a consumer must request the incentives be applied during negotiations. This is where paperwork is signed to complete the negotiated deal, and if you are financing it through the dealer, where that documentation will be completed.

Gap Insurance Optional and additional insurance beyond your collision insurance policy. Because insurance policies only pay the replacement cost of a vehicle, not its actual value, there can be a "gap" between the amount you owe on the vehicle and what is paid out by insurance.

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