Section 230-RICR-20-05-5.4 - DefinitionsA. For the purpose of this Part: 1. "Director" means the Director of Business Regulation or his or her designee.2. "Insurer" means all persons, firms, corporations, or associations authorized to offer automobile insurance in this state.3. "Applicant" means the named insured, as defined in the policy, or an applicant for a motor vehicle insurance policy.4. "Authorized representative" means any person or legal entity, other than the applicant, authorized by an insurer to conduct pre-insurance inspections pursuant to this Part, and may include an employee of the insurer, or inspection service.5. "Producer" means a person required to be licensed under the laws of this state to sell, solicit or negotiate insurance.6. "Inspection service" means any person or legal entity, other than the applicant, which is approved by the insurer to perform inspections required by this Regulation. In determining whether to approve an inspection service, an insurer must take into consideration the service's professionalism, efficiency, and cost effectiveness.7. "Physical damage coverage" means the optional coverages in a policy for collision or comprehensive (other than collision) coverages.8. "Private passenger motor vehicle" means any owned or leased four-wheeled motor vehicle, except vehicles which have a gross weight equal to or in excess of ten thousand (10,000) pounds.9. "Policy" means any insurance policy, contract, or certificate under which a claim is made.10. "Temporary substitute motor vehicle" means any private passenger motor vehicle not owned by the applicant, which is used by the applicant, with the permission of the owner, as a temporary substitute due to breakdown, repair, servicing, loss or destruction of the applicant's own motor vehicle.11. "Existing customer" means an applicant who has been insured for two (2) years or longer, without interruption, under a private passenger motor vehicle policy which includes Physical Damage Coverage, by the insurer to which the application is submitted.230 R.I. Code R. 230-RICR-20-05-5.4