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Alberta Transportation Road Reports

Insurance Bureau of Canada



A Practitioner who has the knowledge and expertise necessary to estimate the value of an asset, or the likelihood of an event occurring, and the cost of such an occurrence.


An insurance company representative who investigates claims and makes settlement recommendations based on the estimate of the damages and the company's liability.

Without Prejudice (WOP):

Insurance carrier is agreeing to pay for certain dealings, it is not accepting the liability for those body sites until the record is further developed.

Policy Limit:

Is the dollar amount of the insurance available to pay all claims related to one occurrence for a specific coverage.


Refers to the dollar amount you are responsible to pay, first, in the event of a claim.  The insurance company is responsible for the amounts in excess of the deductible.