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For insurers that do provide cover for such activities, it is unlikely they will cover liability and personal accident. Peril — The cause of a possible loss. In types of insurance, such as Liability, an occurrence is distinguished from accident in that the loss does not have to be sudden and fortuitous but can result from continuous or repeated exposure that results in bodily injury or property damage. Such attorneys might be solo practitioners or work as part of a law firm. Waiting Period - See Elimination Period. Premium — The price of insurance protection for a specified risk for a specified period of time. Insurance Attorney - An attorney who practices the law as it relates to insurance matters. Personal Lines — Insurance for individuals and families, such as Auto and Homeowners insurance. Comprehensive Insurance — Auto insurance coverage providing protection in the event of physical damage other than collision or theft of the insured vehicle. It is similar to a Guaranteed Replacement Cost policy, which has no percentage limits. Liability — Broadly, any legally enforceable obligation. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object.

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