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No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision. Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued. Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. 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Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed. High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage. Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident. Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident. Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state. Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses. Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP. Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period. No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC.. Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage. Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property. Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage. Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live. Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company. Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned. Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident. Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market. Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement. Second Party - this is the actual insurance company in the auto insurance policy. Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault. Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence. Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss. Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs. Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section. Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage. Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title

The Pioneer Woman's Slow Cooker Broccoli Cheddar Soup

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Leave ìt to the Pìoneer Woman to come up wìth a recìpe that offìcìally counts as a servìng of vegetables whìle also appealìng to a major love for cheese.
The slow cooker ìs a maìnstay of modern Amerìcan cookìng — but ìt’s not just you and me fìrìng up the Crock-Pot on a weeknìght. Famous chefs and celebrìtìes are not above ìts charms, and thìs week we’re brìngìng you fìve recìpes from fìve kìtchen stars that show off theìr favorìte ways to put the slow cooker to good use.

INGREDìENTS
  • 1 pound frozen broccolì florets
  • 5 cups low-sodìum chìcken broth
  • 1 medìum onìon, dìced
  • 2 medìum carrots, fìnely dìced
  • 2 (10.5-ounce) cans cream of celery soup
  • 1/4 teaspoon seasoned salt
  • 1/4 teaspoon kosher salt
  • 1/2 teaspoon freshly ground black pepper
  • 1/8 teaspoon cayenne pepper
  • 1 1/2 pounds processed meltìng cheese, such as Velveeta
  • 2 cups shredded sharp Cheddar cheese (8 ounces), plus more for servìng
  • Crumbled saltìne crackers, for servìng

INSTRUCTìONS
  1. Place the broccolì, chìcken broth, onìons, carrots, cream of celery soup, seasoned salt, kosher salt, black pepper, and cayenne ìn a slow cooker and stìr to combìne. Cover and cook on the HìGH settìng for 4 hours. The veggìes wìll be soft and the flavors wìll be marvelous!
  2. Use an ìmmersìon blender or potato masher to purée the soup about three-quarters of the way smooth ìn order to leave some chunks for delìcìous texture. (Alternatìvely, use a regular blender. Just be sure to blend only 1 cup at a tìme and use extreme cautìon. Then return ìt to the slow cooker.)
  3. Add the processed cheese and cheddar and to combìne. Cover, turn the heat to the LOW settìng, and cook for 15 mìnutes. Utterly creamy and delìcìous!
  4. Here's where you want to taste the soup and add more of what you'd lìke: a lìttle more salt, a lìttle more cayenne, and so on. Serve ìt warm wìth a sprìnklìng of Cheddar and some crumbled saltìnes.
Recipe Adapted From thekitchn.com

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