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Insurance

Calculation of the Loss - Actual Cash Value or Replacement Value
In paying the loss suffered by a policyholder when property is damaged or destroyed, an insurance company normally will consider its obligation to be to pay the present or depreciated value of the property just before its loss. Thus, destruction of a well-used item could result in a minimal recovery for the policyholder. A policyholder may purchase a relatively inexpensive rider to the policy providing for reimbursement of the replacement value of the damaged or destroyed item. Examination of the insurance policy and any rider should provide details on coverage under the policy for either actual cash value or replacement value. More...
Discrimination
Prohibited discrimination More...
Lloyd's of London
While references are made to insurance policies from Lloyd's of London, Lloyd's is not an insurer. Rather, Lloyd's is a market for various syndicates or groups that provide insurance against various risks. More...
Rebating
What is rebating? More...
Incontestability Clause
What is an incontestability clause? More...

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