A facility maintained by some insurer in which the extent of damage to a claimant’s automobile can be determined and in many cases a settlement made.

A system that evaluates driver’s aptitude and shuts down the vehicle when incompetence is detected. Technology exists that measures a driver’s fitness and issues warnings when a driver is judged overly tired or impaired. The system remembers a driver’s normal behavior behind the wheel and establishes it as the driver’s baseline profile. Continually measuring factors such as speed, lateral acceleration, steering wheel angle, pedal use and so forth, the system determines if there is any deviation from the baseline. If so, it alerts the driver visually and audibly that it’s break time. Even external influences such as crosswind and road surface are factored in.

To encourage driver education courses at schools and colleges, many insurers grant premium rebates to applicants for private passenger automobile insurance who have successfully completed an approved training program.

The term ‘Driver’ in relation to a Motor vehicle which is drawn by another motor vehicle, the person who acts as a steer man of the drawn vehicle.

Driverless vehicle has become more a fact than a fiction. Google’s driverless car has now clocked more than 300,000 miles without a single accident whilst under the computer’s control. If this technology be widely adopted then this could be an answer to reducing the road accidents and thereby reduction in insurance premium. Due to driverless system’s accuracy, these vehicles could reduce the number of fatalities that occur on the roads daily. A driverless system could help to eradicate careless and negligent driving behavior, thereby reducing the number of accidents. If there are lesser the number of accidents cars could be built lighter, allowing for less fuel consumption. Imagine too driving under the influence of intoxication would no longer exist and few hundred thousand lives could be saved each year.

The license issued by a Competent Authority under Chapter II of the 1988 Motor Vehicles Act authorizing the person specified therein to drive, otherwise than as a learner, a motor vehicle or a motor vehicle of any specified class of description. Under these provisions of New Motor Vehicles Act, 1988, a “Learners License” is not considered to be a “Driving License.”

It may so happen that the registered owner in whose name the policy has been issued was driving another car not belonging to him at the time of accident and the claim has been lodged for damage to this car or for personal injuries to a Third Party under the “Driving Other Car” Clause. In India the owner of the car remains liable for the own damage and third party claims, if the person driving the accidented vehicle, was doing so with due permission of the registered owner. In India we do not have any provision of insurance for “driving other’s car” liability insurance. It may cause a peculiar situation where an uninsured vehicle is driven by a non-registered owner in contravention of the Third Party mandatory insurance resulting in criminal liability on person driving other car for accidental death, while authorizing to drive an uninsured car remains a civil liability under MV Act.

An aircraft, robot or other flying craft operated by remote control or onboard computers. Also referred to as Unmanned Aircraft Systems (UAS). Can carry small packages or cameras. Often used by realtors, claims adjusters, videographers, emergency services, and many other professions.