#rider #insurance #policy
A schedule or writing annexed to a document such as a legislative bill or insurance policy.
A rider is an attachment, schedule, amendment, or other writing that is annexed (added) to a document in order to modify it. The changes may be small or large, but in either case the primary purpose of the rider is to avoid rewriting or redrafting the document entirely. The language of the rider is understood to be incorporated into the document. Riders are commonly used in contracts and records and also have complex uses in legislation and insurance. As part of the lawmaking process in both state legislatures and Congress, riders are typically added to bills at a late stage in their evolution. In the insurance industry, riders are added to insurance policies to modify both benefits and the conditions of coverage.
The use of riders in the legislative process is a time-honored tradition. Lawmakers do not add riders immediately but instead wait for the appropriate stage in the evolution of a bill. Traditionally legislative bills start out as proposals that are sent to committees for approval or dis-approval. Once a bill successfully passes out of committee, lawmakers frequently amend it with a rider. The rider may simply add a new clause to the law that is the main subject of the bill, or it may go further and add an entirely new, unrelated law.
The addition of riders reveals much about the political agendas of lawmakers. Riders make ideal opportunities to introduce controversial or unpopular fiscal changes. Often these are attached to appropriations bills, which must be passed annually to fund the operation of state and federal government. Some lawmakers have traditionally seen such bills as the place to add extra appropriations for projects they and their constituents favor a kind of funding known pejoratively as pork. Conversely, legislators may add riders that cut spending in areas that would attract public protest if the changes were the single subject of a bill and thus more noticeable.
Lawmakers’ attempts to add new laws to bills through riders are sometimes controversial. Since a rider need not be related to the subject matter of the bill, legislators sometimes seize the opportunity to further their political agendas. A rider may be attached to a bill in an attempt to sneak through a measure that would not attract majority support if proposed by itself. Sometimes, too, a bill’s opponents may attempt to defeat it by adding a controversial rider.
In insurance, riders change the contract, or policy, between the purchaser and the insurance company. Also known as endorsements. they can either expand or restrict the benefits provided by the policy. Thus, for example, personal automobile insurance policies generally cover only typical use of the vehicle. A rider specifies that commercial use of the car will make the policy null and void. This form of insurance rider is called an exclusion.
Riders in Health Insurance policies have other effects. They increase the cost of the policy or even exclude coverage altogether when the purchaser has certain preexisting health conditions. For example, someone suffering from high blood pressure may pay higher costs for insurance. In certain cases the insurer may choose to issue a policy with the stipulation that it will cover certain health-related costs but not those costs associated with the preexisting condition.
n. 1) an attachment to a document which adds to or amends it. Typical is an added provision to an insurance policy, such as additional coverage or temporary insurance to cover a public event. 2) in legislatures, a rider is an amendment tacked on to a bill which has little or no relevance to the main purpose of the legislation, but is a way to get the amendment passed if the basic bill has support. 3) passenger.
an additional clause, amendment, or stipulation added to a legal or other document. In particular, a statement made by a jury in addition to its verdict, such as a recommendation for mercy.
RIDER, practice, legislation. A schedule or small piece of paper or parchment added to some part of the record; as, when, on the reading of a bill in the legislature, a new clause is added, this is tacked to the bill on a separate piece of paper, and is called a rider.
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References in classic literature ?
The schoolmaster now bestowed both whip and heel upon the starveling ribs of old Gunpowder, who dashed forward, snuffling and snorting, but came to a stand just by the bridge, with a suddenness that had nearly sent his rider sprawling over his head.
We return to the riders. who had soon left the bondsmen far behind them, and who maintained the following conversation in the Norman-French language, usually employed by the superior classes, with the exception of the few who were still inclined to boast their Saxon descent.
Shoot the arrows at the statue, and the rider shall tumble into the sea, but the horse will fall down by thy side, and thou shalt bury him in the place from which thou tookest the bow and arrows.
Thus, sure that the rider would not release his hold, Raoul now only directed his attention to the horse, which he guided to the opposite bank, helping it to cut through the water and encouraging it with words.
They are fearless riders ; and their daring feats upon unbroken colts and wild horses, astonished our trappers; though accustomed to the bold riders of the prairies.
It was an unheard-of spectacle, this race between two horses which now only kept alive by the will of their riders .
the horse worth a thousand rubles and the rider beyond all price
And while they jockeyed for position a rider swept swiftly past them.
The mare made one wild plunge which would have unseated any ordinary person, but her rider never even moved in his saddle.
Has a bad trick of whirling around without cause It’s his idea of a joke on his rider .
He became absorbed in trying out the idea, and even borrowed a circus rider whose act was to play the violin while standing on the back of a galloping horse and to throw somersaults on such precarious platform while still playing the violin.
The face of the rider. turned slightly away, showed only an outline of temple and beard; he was looking downward to the bottom of the valley.