Glossary

Road rage is an event in which an angry motorist harms or threatens to harm another driver, a pedestrian, or a passenger.

Roadside assistance coverage provides emergency help when an insured or covered vehicle becomes disabled or stranded. It is typically offered as an optional auto insurance endorsement, membership benefit, or service contract feature. Common services provided include towing, battery jump-starts, flat tire changes, lockout assistance, fuel delivery, winching, or minor roadside labor. That said, coverage usually does not pay for major mechanical repairs, replacement parts, tires, batteries, fuel itself, or accident-related damage. This coverage is subject to policy limits, such as towing distance, service-call caps, covered vehicles or drivers, and per-incident maximums.

Robbery is theft during which force is used or threatened.

Robbery and safe burglary coverage is a type of policy that insures against the loss of money and securities by robbery or safe burglary. There are two standard forms that provide this coverage. The Insurance Services Office, Inc. (ISO), Crime Form (CR 00 18) insures against the loss of money and securities by robbery or safe burglary. Prior to October 1990, the Robbery and Safe Burglary Form (form D) was endorsed to provide this coverage. A separate coverage part is now available. ISO Crime Form (CR 00 05) insures against the loss of property, other than money and securities, by robbery or safe burglary.

Rolling policy limits refers to an arrangement in which the amount of insurance stated at inception of the policy period is an aggregate limit over a multiyear period, with premium adjusted at each annual anniversary. This provides a continuous multiyear limit and an extended notice period for cancellation based not on the annual anniversary but the end of the multiyear policy period.

Rolling stock refers to all the vehicles, whether self-propelled or not, that operate on a railroad line. The term includes both locomotives and cars designed to carry persons or freight—tank cars, boxcars, flatcars, passenger cars. Physical damage coverage on rolling stock is a standard feature of railroad protective liability insurance.

A rolling wrap-up is a controlled insurance program that insures an ongoing construction program and can include multiple projects. Projects are rolled into and out of the program as they are started and completed. The date projects are removed from the program can vary, but most provide an extended period of completed operations coverage.

Root cause analysis (RCA) represents a common technique used to understand the "why" of loss events in order to prevent their reoccurrence. While stopping the reoccurrence of all claim and insurance fraud may not be a realistic goal, the root cause analysis technique will often yield clues useful in modifying the exposure or risk and possibly reduce similar loss events in the mid to long term. That is a realistic objective and one that has perfect application to fraud.

Royalty interest describes the ownership of a portion of the resource or revenue produced from the leased property. Typically, the owner of the leased property retains a royalty interest. The party with the royalty interest is not responsible for the costs and liabilities associated with the exploration, development, and operation of a well.

Rule 11 sanctions are sanctions (court-ordered fines) imposed against attorneys or parties for abuse of process. They attempt to prevent frivolous, unfounded lawsuits.