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Debt-to-income Ratio: A ratio obtained by dividing the monthly debt payment obligation of a borrower by his or her gross monthly income. This ratio is usually expressed as a percentage, and hence shows what percentage of the monthly gross income would go towards debt repayment. More about debt ratios and how to calculate debt-to-income ratio. An event, or repeated exposure to conditions, which unexpectedly causes injury or damage during the policy period.
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Office of Thrift Supervision: Office of Thrift Supervision acts as the controller of federal and state savings and associations, as well as companies. Cramdown: It refers to enforcement of a reorganization plan by a bankruptcy court inspite of the objections of some creditors. It involves reduction of the various classes of debt with the approval of the bankruptcy court.
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Destruction or defacement of property. Optional coverage that helps pay rental vehicle costs when your insured vehicle is disabled as the result of a covered accident or loss. Available to most policyholders for an additional premium.
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Total Loss - A loss of sufficient size that it can be said no value is left. The complete destruction of the property. The term also is used to mean a loss requiring the maximum amount a policy will pay. Underwriting - The process of selecting risks for insurance and classifying them according to their degrees of insurability so that the appropriate rates may be assigned. The process also includes rejection of those risks that do not qualify.
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Auto Damage Adjuster Credit A trust or a promise to pay later for goods or services purchased today.