The person covered under an automobile insurance policy. In a different context, this more broadly applies to anyone covered under any type of insurance policy, but since this blog is dealing with auto accidents, I am using all terms in the context on automobile policy.
Tortfeasor is someone who, by their own negligence, harms another. This is a legal term that is not commonly used in the general public.
A Plaintiff is a person who files a law suit against another for some sort of harm caused to them. An example of this is if they negligently cause a car, motorcycle or trucking accident. However this can apply to any type of harm such as injuries caused by an oil company like the BP oil spill cases that are in the news. A Plaintiff can also have other types of injuries not just physical but loss of wages and damage to property. In the context of this blog I am going to refer mostly to personal injury or property damage or lost wage damages or all three.
An insurance adjuster is a person who has a license to adjust or assesses claims in a particular field. In Florida, adjusters are required to be licensed and to receive continuing education credits to maintain their license. Adjusters will generally work for insurance companies and thus are paid employees of those insurers. They have extensive training and expertise in their field.
Someone who sells an insurance policy to another person. i.e.: State Farm Insurance Company, Allstate Insurance Company, GEICO Insurance Company, Progressive Insurance Company.
A person who is covered under an insurance policy. It depends on the language portion policy to determine if a person is covered. Warning, different portions of the same policy may provide different coverage to individuals or cover one person but not another. For example; a person may be covered under a BI portion of a policy but not the UM/UIM portion of the same policy.