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Glossary of Automotive Terms - U

Click on any letter to find automotive-related entries beginning with that letter.

USAC

United States Auto Club, governs most auto racing in North America. An all inclusive organization that includes Indy Car, Sprint Cars, Silver Crown Cars, and midgets.

Umbrella Liability Policy

A liability coverage that goes above and beyond the normal coverage.

Umpire

Brought in if the agency and policyholder don't agree on the amount of loss or damage to a property.

Understeer

Occurs when the front wheels have lost adhesion or the driver is turning the steering wheel too sharply for the vehicle's speed. In understeer, the front wheels do not follow the steering wheel angle, and the car refuses to turn and pushes ahead. In motorsports, this is called push. The driver can regain traction by reducing speed. Also may be called plow.

Underwriter

A person who is trained to evaluate risks and determines rates for policies based on those risks.

Underwriting

The process of verifying data and approving a loan.

Unearned Premium

The portion of an advanced premium that has not been used for coverage.

Unidirectional Tire

Tire whose tread pattern is designed to get optimum traction only when the tire is mounted to roll in one direction.

Uninsured Motorist Coverage

Insurance which pays for costs resulting from a hit-and-run or an accident with an uninsured motorist.

Upside-down

A situation which occurs when the value of your vehicle is lower than the outstanding balance on your vehicle loan. Also called negative equity.

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Glossary of Automotive Terms U - Autotrader