extended coverage clause
extended coverage clause 延展承保条款；扩展责任条款指保险中对基本保单承保范围以外的风险予以承保的条款 。(→omnibus clause)
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coverage opinion
A lawyer’s opinion on whether a particular event is covered by a given insurance policy.
extended coverage clause
extended-coverage clause. Insurance. A policy provision that insures against hazards beyond those covered (or excluded) in the basic policy. [Cases: Insurance 2662. C.J.S. Insurance §§ 928, 1049, 1673.]
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uninsured motorist coverage
uninsured motorist coverage 无保险驾车人险 在无保险的驾车人对其受害人的损害赔偿责任确立后，确保受害人获得人身伤害赔偿的保险。受害人为被保险人，汽车保险单中有无保险驾车人条款〔uninsured motorist clause〕，以保护因未投保责任险或肇事后逃逸的驾车人的过错而遭受财产或人身损害的被保险人。其目的在于确保被保险人因无保险驾车人的过失而受伤害时，获得与有责任保险的驾车人过失致人损害时的被保险人相同的地位。无保险驾车人险为汽车责任险，旨在消除机动车经济责任与强制性保险立法之间的鸿沟。当驾车人因其过错行为致人伤害或死亡，但由于无责任保险且无经济能力而不能承担损害赔偿责任时，无保险驾车人险可在一定限度内为无辜的受害人和死者生前扶养之人提供补偿。 (→unsatisfied judgment funds; underinsured-motorist coverage)
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underinsured motorist coverage
underinsured-motorist coverage. Insurance that pays for losses caused by a driver who negligently damages the insured but does not have enough liability insurance to cover the damages. Cf. UNINSURED-MOTORIST COVERAGE. [Cases: Insurance 2772, 2787. C.J.S. Insurance §§ 1647, 1650, 1653, 1657.]
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quarters of coverage
quarters of coverage. The number of quarterly payments made by a person into the social-security fund as a basis for determining the person’s entitlement to benefits. [Cases: Social Security and Public Welfare 135, 140. 5. C.J.S. Social Security and Public Welfare §§ 36–38, 42, 48–49, 58–59, 61.]
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doctrine of illusory coverage
doctrine of illusory coverage. A rule requiring an insurance policy to be interpreted so that it is not merely a delusion to the insured. [Cases: Insurance 2090. C.J.S. Insurance § 58.]
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coverage
coverage, n. 1. Inclusion of a risk under an insurance policy; the risks within the scope of an insurance policy. [Cases: Insurance 2091.] — cover, vb. dependent coverage. An insurance provision for protection of an insured’s dependents. full coverage. Insurance protection that pays for the full amount of a loss with no deduction. 2. The