Navigating the insurance industry can be complicated enough without having to learn new acronyms and abbreviations. But, whether scanning your last medical bill or filing an automobile insurance claim, it’s good to know what all those terms mean. So keep reading to find a thorough list of abbreviations for the health and auto insurance industries.

Car Insurance Abbreviations:

Driving on the open road can be liberating, but ensure you’re adequately insured before you get going! Like health insurance, automobile insurance involves many abbreviations that make life easier for providers but more complicated for customers. So check out these abbreviations that you might see on your next insurance policy.

CDW – Calif Deductible Waiver – If you carry collision coverage on your car, then you may be eligible for the California Deductible Waiver. With this waiver, your insurance company will pay the collision deductible on your vehicle if an uninsured driver causes an accident.
Gar Zip – Garage Zip Code
COMP – Comprehensive
COLL – Collision
TL – Truck Load – Motor Carrier for Hire
CEQ – Council of Environmental Quality (regulations) also see NEPA (National Environmental Policy Act)
UMPD – Uninsured Motorist Property Damage
USE – Pleasure, business, or commuter

Coverage and Policy Abbreviations:

Buying a car can be much less frustrating if you know how to choose the policy you need. Read this list of abbreviations to learn terms relevant to adding coverage to an automobile insurance policy.

AIP – Assigned Risk
BAP – Business Auto Policy
BI – Bodily Injury Liability Insurance
BOP – Business Owners Policy
CDW – Calif Deductible Waiver – If you carry collision coverage on your car, then you may be eligible for the California Deductible Waiver. With this waiver, your insurance company will pay the collision deductible on your car if an uninsured driver causes an accident.
CEQ – Council of Environmental Quality (regulations) also see NEPA (National Environmental Policy Act)
CFR – Certificate of Financial Responsibility (also known as an SR-22)
CISR – Certified Insurance Service Representative
COLL – Collision Coverage for Insured Vehicle Damages
COMP – Comprehensive Coverage for Vehicle Theft, Vandalism, or Vehicle vs. an Animal
CPT – Current Procedural Terminology
CVIN – Confidential Vehicle Identification Number
DEC – (or Dec Page) – Declarations Page of insurance policy
DED – Deductible
DMV – Department of Motor Vehicles
DOB – Date of Birth
DOC – Driver Other Car coverage
DOI – Department of Insurance
DOT – Department of Transportation
ETB – Engaged in Trade or Business
EXC – Excluded Driver
FCRA – Fair Credit Reporting Act
FIC – Foreign Insurance Policy
FTCAC – Fire, Theft, and Combined Additional Coverage
GAP – Guaranteed Auto Protection
Gar Zip – Garage Zip Code – Where do you keep the car?
GL – General Liability
GVW – Gross Vehicle Weight
GWP – Gross Written Premium
LOC – Letter of Credit
MPCI – Multi-Peril Crop Insurance
MSF – Motorcycle Safety Foundation
OOP – Out of Pocket
P&I – Protection, and Indemnity
PA – Public Adjuster
PAP – Personal Auto Policy
PH – Policy Holder
PIA – Primary Insurance Account
PIP – Personal Injury Protection or Personal Injury Policy
PMA – Package Modification Adjustment
RBC – Risk-Based Capital
RBNE – Reserved but not Enough
REG – Registration / Registered
RPA – Registered Professional Adjuster
RR – Rental Reimbursement Coverage
RT – [coming soon]
SPAP – Special Personal Auto Policy
SPIN – Secondary Product Identification Number
SRS – Supplementary Restraint System
SVIN – Secondary Vehicle Identification Number
TL – Truck Load – Motor Carrier for Hire
U&O – Use and Occupancy
UL – Umbrella Liability; Underwriters’ Laboratories
UM – Uninsured or Underinsured Motorist Coverage
UMPD – Uninsured Motorist Property Damage
UMPD – Uninsured Motorist Property Damage Coverage
USE – Pleasure, business, or commuter
VIN – Vehicle Identification Number

Claims Abbreviations:

If you’re in a car accident or your vehicle is stolen, the last thing you want to do is decipher an alphabet soup of abbreviations in your claim. Here are some common acronyms and abbreviations you may need to file a claim in the case of BI, HWP, or LMV.

AD – Auto Damage or Adverse Driver
BI – Bodily Injury
CC – Claimant Carrier
CD – Claimant Driver
CL or CLMT – Claimant
CP – Claimant Vehicle Passenger
CV – Claimant Vehicle
CVD – Claimant Vehicle Driver
DNOP – Driver Not On Policy
FX – Fracture
HWP – Hit While Parked
ID – Insured Driver
IGP – Insured Guest Passenger
IV – Insured Vehicle
IVD – Insured Vehicle Driver
LAE – Loss Adjustment Expense
LD – Loaned Driver
LH – Lienholder
LMV – Larceny of a Motor Vehicle
MVA – Motor Vehicle Accident
NI – Named Insured
NISP – Named Insured’s Spouse
NRT – National Response Team
OT – Other Party or Other Person
OTC – Other Than Collision
OV – Other Vehicle
PAR – Police Accident Report
P&C – Property and Casualty
PC – Professional Corporation
PED – Pedestrian
PI – Personal Injury
PR – Police Report
QC – Questionable Claim
RATT – Regional Auto-Theft Taskforce
R/E – Rear End
RP – Reporting Party
RS – Recorded Statement
RSM – Receiving a Stolen Motor Vehicle
S/S – Stop Sign
S/T – Soft Tissue
SWP – Struck While Parked
TPA – Third-Party Administrator
UIM – Underinsured Motorist
UIMV – Underinsured Motor Vehicle
ULD – Unlisted Driver
UMBI – Uninsured Motorist Bodily Injury
UMV – Uninsured Motor Vehicle
V1 – Victim One

Post-Claims Abbreviations

You’ve filed your claim, and the car insurance companies are handling it. Now what? Here’s a list of terms you may see after an accident that detail medical treatment, benefits, and fault judgments.

ACV – Actual Cash Value
ALE – Additional Living Expenses
AOB – Assignment of Benefits
CN – Contributory Negligence
DC – Chiropractor
DI – Disability Income
DJ – Declaratory Judgement
DOL – Date of Loss
DOJ – Department of Justice
DOD – Date of Death
EUO – Examination Under Oath
FOL – Facts of Loss
FMV – Fair Market Value
FNOL – Fair Notice of Loss
FVD – Full Value Declared
IFC – Insured Fixed-Price Cleanup
IME – Independent Medical Exam
IMR – Independent Medical Record Review
LMTCB – Left Message to Call Back
LTA – Lost Time Accident; Long Term Agreement
MP or Med Pay – Medical Payments Coverage
MVR – Motor Vehicle Record/Report
NF – No-Fault
NICB – National Insurance Crime Bureau
OSLR – Outstanding Loss Reserves
PD – Property Damage
PT – Physical Therapy
RC – Replacement Cost
RTW – Return to Work
SIU – Special Investigative Unit (Investigator)
SNOL – Statement of No Loss
TDB – Temporary Disability Benefits
TL – Total Loss
TTD – Temporary Total Disability
TX – Treatment
ULAE – Unallocated Loss Adjustment Expenses
UNL – Ultimate Net Loss
WC – Workers Compensation
WCB – Workers Compensation Board