It gives cover against loss or accidental damage?

Question

it's on a crossword, a 9 letter word

:)

Answer 1

As if being in an accident or having your car stolen weren't bad enough,] nothing cranks up your stress level like dealing with an obstinate insurer.

The procedure for claims after a car accident is supposed to be straightforward. After you make the claim, preferably on a comprehensible form, an adjuster estimates the costs to restore your car and the insurance company writes you a check for that amount. Regrettably, the process isn't always so simple for millions of people who file claims each year.

Here are some things you can do to get claims settled as fast and as smoothly as possible:

Jot down the setting, time, weather and other aspects of the environment; you don't know what will be significant later. Keeping a disposable camera in your auto, so you can take photos of the accident scene, is an excellent idea.

If a camera is not available, you can make a rough drawing of damage to vehicles and property, and describe any apparent injuries and other pertinent facts. Acquire and maintain a copy of the police report for yourself as well.

Answer 2

Insurance.