4. Hazards
5. Loss
a. Direct
b. Indirect
6. Accident
7. Occurrence
8. Indemnity
9. Insurable interest
10. Actual cash value
11. Deductible
12. Limits of liability
13. Replacement cost
14. Negligence
a. Contributory
b. Comparative
15. Proximate cause
16. Warranties
17. Representations
18. Concealment
19. Liability
20. Bodily injury liability
21. Property damage liability
22. Personal injury liability
23. Incidental contracts
24. Binders
25. Coinsurance
26. Pair and set clause
27. Extensions of coverage
28. Additional coverages
29. Cancellation
30. Nonrenewal
31. Vacancy and unoccupancy
32. Right of salvage
33. Abandonment
34. Negligence
B. Policy provisions
1. Elements of a contract
2. Declarations
3. Insuring agreement
4. Sources of insurability information
5. Conditions
6. Exclusions
7. Limitations
8. Warranties, representations, and concealment
a. Warranty
b. Affirmative
9. Promissory
10. Breach of warranty
11. Concealment
12. Binders
13. Definition of the insured
14. Duties of the insured
15. Obligations of the insurance company
16. Mortgagee rights
17. Cancellation and nonrenewal provisions
18. Supplementary payment (additional coverages)
19. Proof of loss
20. Notice of claim
21. Appraisal
22. Assignment
23. Arbitration
24. Pro rata liability (other insurance)
25. Salvage
26. Consent to settle a loss
27. Subrogation
28. Compliance with provisions of Fair Credit
Reporting Act
C. Types of policies and related terms
1. Automobile Insurance – personal & family auto
a. Bodily injury
b. Property damage
c. Limits
(1) Split
(2) Single
d. Medical payments
e. Supplementary payments
f. Physical damage
(1) Collision
(2) Comprehensive
g. Uninsured motorist
h Underinsured motorist
i. Named insureds
j. Insureds
k. Owned automobile
L. Nonowned automobile
m. Temporary substitute auto
n. Hired auto
o. Cancellation and nonrenewal
p. Towing and labor
q. Personal auto policy
