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Insurance Glossary - A - Z INDEX. An unforeseen, unintended event; something unexpected; fortuitous. If a policy includes an accidental death benefit, the cause of death will be examined to determine whether the Insured´s death meets the policy´s definition of accidental. Actual Cash Value (ACV). The value of your property, based on the current cost to replace it minus depreciation. A person who investigates and settles insurance claims. An amount deducted, usually monthly, from the policy. The rates set...
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