Deadhead
Sometimes also called "bobtail coverage." Although bobtail or deadhead coverage is often used interchangeably with non-trucking liability coverage, technically it is not the same thing. Bobtail insurance covers a tractor when it's operated without a trailer, whether or not it's under dispatch, while non-trucking liability coverage only covers a vehicle when it's driven for personal, nonbusiness use.
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Dealer Plates
Dealer plates may be used on any registered motor vehicle, other than vehicles titled in the name of the dealer. A motor vehicle dealer license is required to obtain dealer plates. Dealer plates are displayed on motor vehicles while being operated by the dealer or a third party operating the vehicle with permission of the dealer. Dealer plates may not be used for delivery, hauling, transporting or any commercial purpose.
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Declarations Page (Dec Page)
Also known as an auto insurance coverage summary, this page is provided by your insurance company and lists the following:
- Types of coverage you have elected
- Limit for each coverage
- Cost for each coverage
- Specified vehicles covered by the policy
- Types of coverage for each vehicle covered by the policy, and
- Other information applicable to the policy
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Deductible
A deductible is the dollar amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Deductibles always are selected when you purchase an insurance policy.
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Diplomatic Driver's License
A diplomatic driver's license is issued to members of foreign consular posts and their family members in the United States. Diplomatic driver's licenses can only be issued by the Department of State through its diplomatic motor vehicle office.
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Discount
A discount is a percentage reduction applied to a premium for fulfilling specific requirements or actions.
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Doing Business As (DBA) name
A DBA is a name by which a company is known to the public but which is not its legal name.
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Domicile
The legal location (address, state) at which a business or person has established themselves (i.e. primary business or home address.)
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Drive other car
See individual named insured endorsement
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Electronic Funds Transfer (EFT)
EFT is a payment method in which funds are automatically deducted from a customer's checking account to pay bills on a regularly scheduled basis. Customers must select the EFT payment method and authorize payments in advance to use this system to pay their bills.
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Employer's Non-Ownership Liability Coverages
Employer's non-ownership liability coverage provides liability insurance for a vehicle owned by your employee if it must be used to conduct your business. This coverage is for vehicles that are not regularly used for the business.
Learn more about non-owned vehicle liability insurance.
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Endorsement
A clause added to an insurers policy wording which changes the coverage provided, and is considered to form part of the insurance contract.
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Filing
A filing is like a certificate of insurance issued by an insurer that provides proof of specific insurance coverage. There are both federal filings and state filings.
Federal filings are submitted to the Federal Highway Administration. They often are required for interstate transportation of goods, people or hazardous materials.
State filings are submitted to a specific state's Department of Transportation or other governing body. They often are required for intrastate transportation of goods, people or hazardous materials.
Learn more about commercial auto insurance filings.
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Federal Highway Administration (FHWA)
The FHWA is a branch of the federal government that regulates interstate transportation of goods and people.
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Fire and Theft with Combined Additional Coverages
For coverage to apply the damage or loss must be caused by one of the following: fire, lightning, explosion, theft, windstorms, hail, earthquakes, flood, rising waters, vandalism, a collision with an animal, or while being transported by a third party.
Learn more about fire and theft with combined additional coverages.
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For-Hire Truckers
For-hire truckers are truck operators who transport goods for a fee.
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