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glossary

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insurance terms that start with ‘e’

Earthquake insurance

Earthquake insurance is a type of coverage that can be added to a policyholder's homeowners, condo, or renters insurance for an additional premium. As the name implies, it covers damages caused by earthquakes.

Most standard homeowners policies do not insure against earthquake damage unless this additional coverage is added to the policy.

See also: home insurance, renters insurance, condominium insurance

Related links

How to disaster-proof your insurance
Homeowners insurance quotes


Effective date

The effective date is the date your auto insurance coverage begins. You are not covered by a car insurance policy until the effective date, which you can select when you buy your policy.


Emergency road service

Emergency road service (also known as towing and labor, emergency repair service, motor club, or roadside assistance) provides on-the-spot assistance for various types of roadside emergencies. Typical emergency road services include flat tire repair/replacement, lock-out services, and gas delivery.

Most insurance companies offer some form of emergency road service.

See also: car insurance

Related link

What is emergency road service?


Endorsement

An endorsement (also known as a rider) refers to any change made to your original insurance contract. Endorsements include changing your deductibles or limits or adding other people or cars to your policy.

See also: car insurance, exclusions, limits, deductible

Related links

How long does it take a policy change to go into effect?
Making policy changes


Erin Esurance

Erin Esurance was the official mascot of Esurance for many years. She first appeared as an animated figure in 2004, and she helped Esurance become one of the most recognized names in online car insurance. Though she's no longer featured in our commercials, her spirit lives on in our offices.

See also: Esurance

Related links

Marketing and advertising FAQs
Media center


E-star®

The E-star® Direct Repair Program is an Esurance program that qualified car repair shops meeting our strict criteria can join. This network of Esurance-approved shops features RepairView® online repair monitoring and guarantees repairs for as long as you own the car. RepairView enables you to see and share photos of your car as it goes through the repair process.

After you file a claim with Esurance, your dedicated claims rep can help you select an E-star facility near you or you can use our online E-star locator.

Esurance created E-star to help expedite the auto repair process and provide excellent service at state-of-the-art facilities. There are more than 1,000 E-star shops nationwide.

See also: RepairView®, body shop

Related links

E-star locator
Esurance RepairView®
Esurance claims center


Esurance

That's us. Esurance is a San Francisco-based car insurance company that offers direct-to-consumer personal car insurance. Our innovative approach to car insurance allows customers to take advantage of affordable rates, great discounts, and a wealth of handy tools like online repair monitoring.

We also help drivers find affordable car insurance in the states we don't operate in, and can help you find reliable home, renters, life, health, motorcycle, pet, and specialty insurance products.

See also: car insurance

Related links

Insurance products
Car insurance
Motorcycle insurance
Homeowners insurance
Renters insurance


Excess

Excess (also known as excess coverage or excess insurance) refers to insurance that backs up the primary policy with extra protection. Typically, if you have 2 overlapping policies covering the same thing, the excess doesn't kick in until the loss amount passes a certain threshold or the primary coverage limit is exceeded.

See also: broad form


Excluded driver

An excluded driver (also known as a named driver exclusion) is an individual who's specifically listed as someone not covered on a car insurance policy. For instance, if you and your spouse (who has a less-than-stellar driving record) have separate car insurance policies, you might name him or her as an excluded driver. This means that he or she will not be covered under your policy if he or she gets behind the wheel of your car.

See also: insured, Motor Vehicle Report

Related link

Who should I list on my policy?


Exclusions

Exclusions are situations that are not covered by a given insurance policy. Any specific exclusion will be stated in your auto insurance policy.


Exotic car

Generally, an exotic car refers to an expensive, high-end vehicle. Ferraris, Lamborghinis, and Porsches are examples of exotic cars.

See also: collector cars, classic cars, antique cars, vintage cars, brass era cars

Related links:

Collector car insurance
FAQs on getting a collector car insurance quote
FAQs on managing collector car insurance


Extraordinary medical coverage

Extraordinary medical coverage protects you in the event you suffer accident-related injuries that require serious and/or long-term medical care. Extraordinary medical coverage begins once you have exhausted the limit on your standard medical benefits coverage.

This coverage may be a part of your personal injury protection (in no-fault states) or first party benefits plan (in Pennsylvania).

See also: personal injury protection, first party benefits