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In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss. Nonstandard Auto High-Risk Auto or Substandard Auto — Insurance for motorists who have poor driving records or have been canceled or refused insurance. Insurance Institute of America IIA — An organization that develops programs and conducts national examinations in general insurance, risk management, management, adjusting, underwriting, auditing and loss control management. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. Named Insured — The person or entity listed on a policy declarations page. Proof of Loss — A statement made regarding the extent of the claim, which may be requested in accordance with the conditions of the policy.

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