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Copayment - A predetermined, flat fee an individual pays for health-care services, in addition to what insurance covers. For example, some HMOs require a $10 copayment for each office visit, regardless of the type or level of services provided during the visit. Copayments are not usually specified by percentages. First Party
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The event where you and a third party reach an agreement over an amount which is outstanding. The cost to repair or replace an insured item. Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it. If you have personal property replacement cost coverage, your insurance will pay the full cost to repair an item or buy a new one once the repairs or purchases have been made.
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A period (usually 31 days) after the premium due date, during which an overdue premium may be paid without penalty. The policy remains in force throughout this period. Refers to GEICO's online center for managing your car or motorcycle insurance policy. Accessible at service.geico.com.

A discount for people who have taken an approved driver training course. This discount is not available in all states or for all individuals. CANCELLATION
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Losses Incurred (Pure Losses) - Net paid losses during the current year plus the change in loss reserves since the prior year end. Consolidation Loan A loan usually obtained for the purpose of reducing the amount of the payments of bills owing by consolidating the bills into one loan payment. The consumer pays off several bills with the proceeds from one loan and is left with one consolidated monthly payment.
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Damages One of three national credit reporting agencies. The other two are Experian and Equifax.
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