Esurance Auto Insurance Glossary: R, S, & T

Rental Car Reimbursement
Rental car reimbursement is an optional kind of auto insurance coverage that helps pay for your rental car expenses if an insured car is damaged or stolen and you need a rental car.
SR-22
An SR-22 is an official document that shows proof of financial responsibility. Courts may require an SR-22 or a similar form for people convicted of certain traffic violations.
Secondary Driver
A secondary driver is one of the drivers listed on your auto insurance policy who's insured for driving an insured vehicle. However, this driver is not a car's primary driver.
A secondary driver is also sometimes known as an occasional driver in auto insurance terminology.
Supplemental Spousal Liability
Supplemental spousal liability, or SSL, is an optional coverage, available only in New York State.
This type of auto insurance coverage protects you if you’re found to be at fault in an accident resulting in injury or fatality to your spouse.
The amount covered by SSL is capped at the limit you choose when you buy your auto insurance policy.
Stacking - Uninsured/Underinsured Motorist Bodily Injury Coverage
Stacking is an option available when you buy uninsured/underinsured motorist bodily injury coverage. Stacking changes the limits for this type of auto insurance coverage.
When you choose stacking, uninsured/underinsured motorist bodily injury limits increase by the number of cars you're insuring. If you buy $50,000/$100,000 limits for uninsured/underinsured motorist bodily injury coverage, choose stacking, and insure 2 cars, stacked limits for this coverage then equal $100,000/$200,000.
Steering Restraint
A steering restraint is a durable collar or shield fitted to the upper and lower casing of your car's steering column. The collar makes it harder for potential thieves to access, or "hotwire," your car's ignition system.
You may qualify for an auto insurance discount if your car is fitted with a steering restraint.
Tort
Tort is a legal term used to describe instances when someone is deemed legally responsible for injuring another person or damaging his/her property.
Some states ask you to select a tort provision. In these states, you can limit your right to sue for non-monetary damages (like pain and suffering) in exchange for a reduced auto insurance premium.
Towing Coverage
This type of auto insurance coverage is optional, and pays a fixed amount toward towing if your car breaks down or if it's disabled in an accident.