Has your insurance agent to speak English? You would think, until you get a good look at your car insurance to get! It can be difficult from the English cream of the muddle of Insurance-ESE, ESE-Legal and Big-Word-ESE jumbles that most policies and make it impossible for the average driver to understand without a dictionary in one hand and a thesaurus in the other! After a good grip on auto insurance terminology is an essential component of any successful insurance shopping try. The question is, how much auto insurance terminology you know? 1. At Fault – Believe it or not, this is not as easy as it sounds. There are two versions of "guilt" in auto insurance dictionary. The person as "debt" at an accident is the person who caused it in the first place, and "fault" insurance (as opposed to no-fault insurance) means that the person who "blame" goes to pay all bills. 2. Bodily injury liability – this is the part of your insurance ensures that you are not stuck with bills ER, ICU bills, bills and outpatient rehabilitation therapy costs for someone else after a slide on a slippery road in the middle to take the winter and run head first into their vehicle. 3. Comprehensive Coverage – No matter what your personal religious beliefs happen to be, there is no denying that "Acts of God" can do terrible things to your vehicle. When Mother Nature is the only responsible for damage to your car, your car and get extensive coverage in the billing step. 4. Collision Coverage – Your liability insurance could get the tab for repairing the other person after you've been in an accident, but it will not do anything about you. Therefore make sure that you carry collision coverage. Collision get you back on the road after you've been in an accident or total your car and cut you a check so you are not left without wheels for week trying to get the money to make it happen. 5. Continuously Insured – This is one of those terms auto insurance you really need to watch, because your insurer definition of continuously insured and yours is a lot different. Most of us do not think much of when we're late with a payment and our coverage expires a few days, but your insurance company will not be impressed. Continuously insured means insured continuous no exceptions. 6. Deductible – This is what you owe them each time you submit an auto insurance claim for the privilege of having them get the tab. See if you chip in five U.S. dollars towards dinner, but instead of single digits to double or triple hits. 7. Stalling Location – Where you park your car. The wording of this is a bit misleading-it does not matter whether you have a garage or not. 8. Limit – The maximum amount your insurer will pay for your car insurance claims. This will usually be separated on a "per person" and "per incident" basis. 9. No Fault – With no fault automobile insurance does not matter whodunit. Your car insurance will take care of you, and them is to take care of them. (But only the driver actually watch their debt, insurance rates go up.) 10. Premium – The amount you pay your insurance each month for the privilege secured. 11. Primary use – What your car for most of the time. No, they are not curious. They'rejust check to make sure you are not a salesman who spends forty hours a week on the road. (Relative risks and that all residential use usually requires a commercial policy.) 12. Uninsured / underinsured Motorist Coverage – Not everyone has the good sense to continuously covered by an auto insurance. If you have the misfortune to run into one of these drivers on the road you could spend years in court trying to get money for your repairs. Uninsured motorist coverage will save you the trouble, your insurance picks up the tab. You can figure the rest later.