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No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision. Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued. Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer. Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company. At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses. Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state. Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy. Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered. Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses. Broker - This is a licensed individual who on your behalf sells and services various insurance policies. Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy. Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly. Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault. Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company. Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc. Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy. Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy. Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage. Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile. Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services. Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy. Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy. First Party - This is the policyholder, the insured in an insurance policy. Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed. High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage. Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident. Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident. Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state. Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses. Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP. Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period. No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC.. Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage. Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property. Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage. Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live. Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company. Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned. Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident. Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market. Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement. Second Party - this is the actual insurance company in the auto insurance policy. Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault. Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence. Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss. Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs. Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section. Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage. Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title.

FERRERO ROCHER NUTELLA CHEESECAKE

Devilishly rich, creamy, smooth and velvety… just one bite of this Ferrero Rocher Nutella Cheesecake will send you straight to seventh heaven!
I wasn’t too sure whether I should call this new devilish creation of mine a Nutella Cheesecake or a Ferrero Rocher Cheesecake…

After all, Ferrero Rochers are nothing but a grand, palatial celebretion of Ferrero’s Nutella, and this cake gives absolute pride of place to both treats. So I decided that it was going to proudly take both its originators’ names, and so it officially became Mr. Ferrero Rocher Nutella Cheesecake. (I’m not too sure about the mister thing, but it definitely deserves the appellation!)

Honeslty, though, it doesn’t really matter what it’s called. Whether you’ve been dreaming of one OR the other, this cheesecake is GUARANTEED to satisfy your every wants and needs. It’s the ultimate cake for the true Nutella and/or Ferrero Rocher lover.

Like all cheesecakes, this one needs to be kept in refrigerated but I strongly suggest that you take it out of the fridge about an hour prior to serving it. It’ll be SO MUCH silkier and creamier. And you’ll be able to appreciate its flavor to its full potential.

Trust me on that one!
Ingredients
FOR THE CRUST
  • 2-1/2 cups (290g | 10.1oz) graham cracker crumbs
  • 1 cup (30g | 1oz) Rice Krispies Cereal, slightly crushed
  • 1/2 cup (75g | 2.6oz) roasted hazelnuts, finely chopped
  • 1/4 cup (50g | 1.75oz) granulated sugar
  • 1/2 cup (120g | 4.2oz) butter, at room temperature
  • 1/2 cup (150g | 5.3oz) Nutella
  • FOR THE NUTELLA CHEESE FILLING
  • 3- (227g | 8oz) packages full fat cream cheese
  • 1 cup (227g | 8oz) 14% fat sour cream
  • 3/4 cup (150g | 5.25oz) granulated sugar
  • 1/3 cup (80ml) whipping cream
  • 1 tbsp pure vanilla extract, (store-bought or homemade)
  • ---
  • 5 large eggs
  • 3 tbsp corn starch
  • ---
  • 1-1/2 cups (450g | 15.9oz) Nutella
  • 1/2 cup (75g | 2.6oz) semi-sweet chocolate, melted

FOR THE NUTELLA HAZENLUT GANACHE
  • 1-1/2 cup (225g | 7.9oz) semi-sweet chocolate, finely chopped
  • 1/2 cup (150g | 5.3oz) Nutella
  • 1 cup (240ml) whipping cream
  • 2 tbsp butter, at room temperature
  • 2/3 cup (100g | 3.5oz) roasted hazelnuts, finely chopped
  • GARNISH
  • 1 cup Nutella Ganache (reserved from above)
  • 13 Ferrero Rocher

Instructions

TO MAKE THE CRUST
  1. Line the bottom of a 9” springform pan with parchment paper. To do that, remove the ring and cover the bottom with parchment paper. Fold the excess paper back under the plate and, while holding it in place with one hand, put the ring back in its position with the other hand. Bring the excess paper back from under the pan but do not cut it off.
  2. Combine the graham cracker crumbs, Rice Krispies, chopped hazelnuts and sugar together in a large mixing bowl.
  3. In another, smaller bowl, combine the butter and nutella and place them in the microwave for 30 to 45 seconds; mix with a whisk until well combined and pour over the reserved dry ingredients. Mix until evenly combined and press the mixture firmly at the bottom and about 3/4 of the way up the side of the prepared pan. Set aside.
TO MAKE THE CHEESECAKE FILLING
  1. Preheat your oven to 350°F and bring about 4 cups of water to the boil; you'll be using it later to make a bain-marie for your cake.
  2. Combine the cream cheese, sour cream, granulated sugar, whipping cream and vanilla extract in the bowl of your food processor. Process until the mixture is super smooth and creamy and completely lump free, about 3 minutes. Stop the motor to scrape the sides once or twice, as needed, to make sure that every last bit gets incorporated.
  3. Add the eggs, all at once, and resume processing until they are well combined. You could also throw them down the feeding tube while the motor was running, if that was easier for you.
  4. Stop the motor, scrape the sides well, add the corn starch and resume beating until it gets well incorporated, about 30 seconds.
  5. Add the nutella and melted chocolate and process one last time, for about 30 seconds, until well incorporated.
  6. Place the prepared pan (with the crust in it) over a piece of aluminum foil and fold the foil over the pan so its exterior is completely covered; this will prevent water from getting into the pan. Now place this rig into a broiler pan and pour the cheesecake batter over the prepared crust. Spread the batter evenly, all the way to the edge.
  7. Next, delicately pour enough boiling water into the broiler pan so it goes up about 3/4 of the way up the side of the broiler pan. Place that rig onto the middle rack of your oven and bake your cake for 25 minutes at 350°F. Then, decrease the temperature to 250°F and continue baking your cake for a further 75 minutes.
  8. Turn off the oven and crack the door open about an inch. Leave the cake in the oven, undisturbed, for about 1 hour, or until it's cool enough to be handled with your bare hands, and then slide it out of the oven.
  9. When the cheesecake is completely cooled, run a thin spatula or knife around the rim and refrigerate uncovered for at least 6 hours, but preferably overnight.
TO MAKE THE NUTELLA HAZELNUT GANACHE
  1. Once your cake is completely chilled, take it out of the fridge but don't remove it from the pan.
  2. Combine the finely chopped chocolate, Nutella, whipping cream and butter in a microwave-safe bowl. Heat in the microwave for 1 minute, allow the mixture to rest for 1 full minute and then stir delicately for 1 full minute. Repeat the process one more time, heating, resting and stirring for one full minute. At this point, the ganache should be completely smooth and combined, but if there were still lumps remaining, repeat the process again but for no longer than 20 seconds this time; continue doing that until the ganache is smooth and silky.
  3. Reserve about 1 cup of that ganache into a small bowl and place it in the refrigerator (you'll want to leave it there until it has the consistency of fudgy frosting, about 3 hours. Stir from time to time to check for consistency.)
  4. Meanwhile, add the chopped hazelnuts to the rest of the ganache and stir until well incorporated; pour over the cake and spread it evenly all the way to the egde. Return the cake to the fridge until the ganache is set.
ASSEMBLY
  1. Carefully remove the ring from around the cheesecake but leave it on the parchment paper.
  2. Put the now fudgy nutella ganache in a pastry bag bag equipped with a medium open star tip) and pipe 12 generous swirls around the top of the cake and 1 in the center. Place a Ferrero Rocher on top of each swirl.
  3. If desired (and if you have a little bit of that fudgy ganache left), prepare a piping cone out of parchment paper and then melt a few tablespoons of leftover ganache in the microwave - it will only take 3-4 seconds. Pour it into your parchment paper cone and then drizzle a little bit more of the now melted ganache over each Ferrero Rocher. Note that you could also use a squeeze bottle instead of the parchment paper cone, but that doesn’t work quite as well when dealing with such small quantities.
  4. Place your now finished cake onto a cake plate; keep refrigerated until about an hour prior to serving.
Recipe Source:eviltwin.kitchen

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