Insurance fraud schemes

Insurance fraud is committed by companies, agents, adjusters, doctors, hospitals, or consumers when they lie or misrepresent facts for financial gain.

Because companies spread claim costs among policyholders, fraudulent insurance claims drive up insurance premium costs. 

How to report suspected fraud

If you know or suspect someone has committed insurance fraud, Texas law requires that you report the fraud within 30 days. The law protects you from any retaliation or liability for reporting fraud.

If you suspect fraud or think you have been the victim of insurance fraud, report it to the TDI Fraud Unit .report insurance fraud online or by calling the toll-free Consumer Help Line. To report fraud involving Medicare, Medicaid, or health care or drug discount programs, call the Texas Attorney General’s Consumer Protection Hot Line. ) at 800-621-0508.

Insurance fraud schemes

Insurance without a license

It is illegal to sell insurance in Texas without a license. (The one exception is for surplus lines companies, also known as offshore insurers, which are out-of-state companies that insure unusual or hard-to-allocate risks. Surplus lines or offshore companies must still register with TDI to operate in Texas and must be licensed in their home state or country).

Unlicensed companies often don’t meet the state’s minimum financial requirements and may not have the money to pay claims. The company will collect your insurance premiums and may even pay some small claims so that you continue to pay your insurance premium. Then, when you have an expensive claim, the company could disappear, leaving you with no coverage and expensive bills to settle.

Consumers and small businesses that have difficulty finding or affording insurance may be vulnerable to these schemes.

Prevention tips:

Make sure your agent or company is licensed or registered to sell insurance in Texas. If you have health coverage through your employer, especially if you work for a small employer, it’s still a good idea to make sure your insurance company is licensed. You can find out the status of the agent’s or company’s license by calling the Texas Department of Insurance (TDI) Consumer Help Line at 800-252-3439 or you can review the company’s profile on our website.

When checking a company’s license status, make sure you know the exact name of the company. Unlicensed companies often use names similar to the names of licensed companies. If you find even a slight difference between the name provided to you by the company and the name on TDI’s records, please notify TDI immediately.

Medical Provider Fraud

Doctors and hospitals commit fraud when they overcharge insurance companies for services they provided, charge for services they did not provide, or perform tests and procedures that are not necessary.

Prevention tips:

• Ask questions to make sure the treatment your doctor recommends is necessary.
• Be careful if your doctor recommends a new, unusual, or experimental procedure.
• Review your bills and your insurance company’s Explanation of Benefits (EOB) statement to make sure you were billed only for the services you received. If you find a difference between the bill and the services you received, contact your insurance company.

Car accident fraud

People commit car accident fraud when they increase their claims or when they file claims for accidents or thefts that never happened. Another scheme is to cause a crash and make it look like it’s your fault.

One of the most common types of schemes is called “swoop and squat”. This scheme involves two people acting together in two separate vehicles. The braking (“squat”) car moves directly in front of you and begins to slow down. The passing car (“swoop”) comes up behind and cuts off the braking car in front of you. The squat car brakes quickly, forcing you to the rear end, while the car you passed takes off.

Prevention tips:

• Insist on calling the police if you are involved in an accident.
• Get the other driver’s information. Be sure to get the name, address, phone number, license plate number, the exact name of the insurance company, and the policy number.
• Ask for the names of everyone in the other vehicle.
• If you have a camera or cell phone with a camera, take pictures of the damage to your vehicle and the damage to the other vehicle.
• Do not follow other cars too closely. This will help you avoid the swoop and squat.

When should I file a car insurance claim?

An auto insurance claim is basically your way of notifying your insurance provider that you’ll need to use your policy to cover expenses related to an incident.

You may be wondering when should I file an auto insurance claim? 

Filing a Salvage title car insurance claim for something minor, like a broken mirror or a broken windshield, will almost certainly increase your premium. The real purpose of insurance is for disastrous circumstances, not minor accidents.

Whatever your deductible is, you should always try to pay the bill for $500 above that before getting insurance involved.

Let’s say you have a $500 deductible. In that case, you only need to file a claim when the body repair bill is over $1,000.

If you have a $1,000 deductible, any repair bill greater than $1,500 would justify a claim.

This is when you should NOT file a car insurance claim

Speaking of small claims, there are a few cases where you don’t need to file an auto insurance claim:

• Small incidents like a broken windshield or a broken mirror.
• After a weather event where your vehicle is hit by debris and causes minor surface damage.
• Call the roadside assistance of your insurance company; that can be treated as a claim.
• That last item may surprise some people. But the truth is that some auto insurance agencies that offer roadside assistance treat their use as an at-fault claim and put it on your report.

However, there are generally more cases where you should file an auto insurance claim rather than skip:

• You will save money. You should file an insurance claim whenever your out-of-pocket costs extend beyond your deductible.
• You caused an accident or damage to someone else’s car or property. Even if the other person recommends settling the damages caused by an accident in private, don’t accept it. If you come to an agreement in private, there is always the risk that the person will come back and ask for more money.
• By involving your insurance company by filing an insurance claim, you not only get your policy to cover expenses, up to your policy limits. You also protect yourself by letting the insurance company settle with the person you hit.
• Someone hit your car. If your vehicle is damaged due to someone else’s mistake, you’re probably wondering how to file a car insurance claim against someone. Generally, starting the insurance claim process there requires a call to your insurance provider and a call to theirs. Get your insurance information so you can start your car insurance claim and get the money you deserve.
• People were injured in an accident. Whether you caused the accident or not, it’s a good idea to get your insurance company involved if people were injured. That way, those people can get the health care they need and use insurance as much as possible for it.

Is there a time when you shouldn’t file an insurance claim?

While it’s almost always a good idea to go through the insurance claim process for the financial and legal protection it provides, there are a few times you might consider skipping it:

• The damage is extremely minor. If you are involved in a minor accident and all parties involved do not want to file an insurance claim, you may not need to file one. But this is only the right decision if an agreement can be reached with the person right then and there.
• If you are asked for your contact information, and especially if you are asked for your insurance information, start researching how to make an insurance claim with your provider.
• You damaged your own vehicle. If you make a mistake behind the wheel that affects your vehicle but doesn’t harm anyone else or your property, assess the damage. If the repairs are less than or close to your deductible, it probably makes more sense to pay for them yourself, since you would cover most of the repair costs out of pocket anyway. That avoids filing an insurance claim, which can lead to increased rates.

Remember above all to always have your current car insurance for any eventuality on the road. We have the auto insurance coverage you need and that will make you feel calm when you are driving.

We offer you the best auto insurance service in Spanish and at the best price.

How to Claim Agricultural Insurance

How to Register and Buy Agricultural Insurance

For those of you who are interested in registering and buying agricultural insurance, here are the steps.

• Farmers follow the data collection conducted by the local district or city office.
• Then the farmer data will be sent to the Ministry of Agriculture.
• The government conducts verification.
• If the verification is successful, the farmer will be met with the insurance company.
• Furthermore, the government will conduct socialization regarding premium payment and insurance risk selection.
• The police were distributed to the farmers.
• If they experience losses such as crop failure, farmers can file a claim with a note after the policy is issued.

How to Claim Agricultural Insurance

How to submit an agricultural insurance claim to the Jasindo insurance company, namely:

• Farmers submit claims to Jasindo through farmer assistants, agricultural extension workers, or plant-disturbing organisms observers.
• Claims verified by the team.
• Damage to crops must reach a minimum of 75 percent, less than that amount will not be compensated.
• Farmers will receive coverage of a maximum of IDR 6 million per hectare if the claim is approved.

How Agricultural Insurance Works

Agricultural insurance can be divided into 2 types, namely self-help insurance and subsidized insurance from the state budget. In self-help insurance, farmers must pay their premiums without help from other parties.

Meanwhile, in government subsidy insurance, farmers will get a premium subsidy of 80 percent from the government and the rest will be paid by farmers. The way this type of insurance works is quite simple, namely insurance registration is done through farmer groups.

However, to be able to get subsidized insurance, farmers need to meet the following requirements:

• Farmers do not own private land and the land must be arable land with an area of ​​not more than 2 hectares.
• If the farmer owns private land, the agricultural work cannot be more than 2 hectares.
• Farmers are small-scale horticultural, garden, or livestock farmers.
• Join an active farmer group.
• Prioritizing farmers who are included in sustainable food agriculture.
• Carry out agriculture or animal husbandry in earnest after premium assistance is received.

Tips for Choosing Agricultural Insurance

Some tips for choosing this type of insurance include:

• Choose insurance products according to your conditions and needs.
• If the farmer meets the requirements to get a premium subsidy, then the farmer needs to prepare all the requirements to be fulfilled so that the application for insurance registration is not rejected.
• Active in farmer groups if you want to get premium subsidies.
• For farmers who choose private insurance, pay attention to the type of insurance chosen, whether self-help insurance, partnership insurance, or insurance with a credit pattern.
• When choosing a private insurance premium, choose an insurance product that is not burdensome and under your abilities.
• It is recommended to choose insurance that provides comprehensive risk coverage according to conditions in the field.
• Choose insurance that is easy in the registration process as well as the claim submission process.
• Farmers are required to know in detail the submission of claims to avoid rejection.

That’s the discussion about agricultural insurance that you need to know. If you need more insurance information, you can find interesting content related to life insurance, health insurance, car insurance, and other financial products on the CekPremi.com blog.

Why is Video Content Important for Your Business?

In recent days, content marketing has gained immense popularity amongst various businesses. Business owners effectively use it to boost their brand and reach their target audience. Besides, it has also gained enormous significance in video marketing. 

With massive technological advancements, video content is but an essential part of the digital world. Consumers these days wish to have the best products delivered to them in attractive visual formats. This means they are expecting more video media while navigating services and products.

Consumers use video content to learn essential features and inform their decision-making processes. So, more than 87% of marketers are using video editor applications/websites for creating videos for their video marketing efforts. The surge of the deadly pandemic has amplified the demand for using video marketing. 

This article will provide an overview of video content marketing and why it is essential for your business. You will also learn some compelling video content marketing ideas. So, let’s dig in.

Video Content Marketing: What is it?

Various brands produce video content for the upliftment of their website, known as video content marketing. They upload the videos on social networking sites or YouTube for advertisement purposes. However, these videos can come in different forms like – live video, self-hosted video, webinars, online courses, etc.

This is undoubtedly a powerful technique for any brand to spread its message to an enormous audience. It is easily accessible and works well in B2B and B2C content strategies. This technique is becoming more accessible and more effective with every passing day. 

Businesses, both big and small, across all industries have realised the benefits of video marketing. You will be surprised to know that the demand for video content marketing will keep on growing. 

But have you realised why video plays a pivotal role in attracting sales and traffic? Well, the answer is quite simple. It is because of accessibility, engagement, and educational opportunities for the consumers.

Know the Importance of Video Content Marketing for Your Business

As the world moves towards technological developments each day, everyone is making the most of it. Most importantly, all people are going gaga about how effective video contents are as they keep us hooked on our devices. Videos are more captivating and easier to obtain information than textual articles and blogs.

Besides, video content helps in serving as a potential alternative and distraction from all happenings of the world. Accessing any social networking sites will immediately provide their businesses with their fill.

Now, video content has engrossed our lives so that we can barely remember how it was earlier. Business owners must be aware of the necessities and requirements of their consumers. While the global population spends more than one billion hours on YouTube content, it’s evident that people want more.

Here is a comprehensive listing of the importance of video content marketing in your business:

• Boosts Engagement with Your Audience

Videos are so captivating that it keeps people hooked to their mobile devices to grasp more information. This allows various businesses to increase their audiences, intensifying the number of website and page viewers.

We can thus say that consumers are only a click away from engaging, imbibing, sharing, and commenting on the shared video content. This allows businesses to generate massive ad revenues from their websites.

• Amplifies Attraction Towards Smartphone Users

Smartphones have become an everyday thing and are used widely by people of all ages. Studies reveal that more than 90% of mobile users watch videos. People remain hooked to their smartphones, which relieves their monotonous and hectic lives.

So this is a win-win situation for business owners as the more significant number of smartphone users, the larger their audience. Studies have revealed that smartphone users are 1.4 times more likely to watch video advertisements than television and computers.

• The World of Media is Widely Accessible

The considerable advancement in technologies has changed the world of media. The demands are so broad that various content keeps bombarding social networking platforms. Amongst written contents and images, videos stand above everything regarding accessibility.

Moreover, video allows businesses to combine lots of media and formulate a unique piece. For instance, marketers can combine text, images, music, and others to craft compelling stories and ensure consumer success.

The best approach to video content is that consumers with physical impairments are highly benefited. Businesses can deliver all the requisite information by pairing captions and transcripts with content.

• Has the Capability of Constructing and Communicating a Story

All kinds of videos have the capability of communicating a well-built story. So this strategy of video content marketing in businesses helps convey emotions considerably. Moreover, it can build empathy, thereby bringing a more significant audience towards sales.

A more significant number of audiences require a story to understand the impact of any services and products in their lives. Many businesses cue relatable and popular sources like film and music. This allows the consumers to connect to the brands emotionally with their delivered content.

This procedure strategically helps generate returns and loyalty that would otherwise have no existence. Time and again, storytelling as a strategy has proved beneficial in the marketing world. So, regardless of the economic occurrences, businesses can integrate powerful video content, thereby enhancing their potential.

• Enhances Conversions, Sales, and Revenues

The first thing that all business owners must remember is that video content marketing allows them to make plenty of money. For instance, adding a product or service video on any landing page can considerably increase conversion rates by 80%.

Irrespective of the deployment category, all videos tend to work well, leading directly to sales. Around 74% of consumers purchase products and services after watching an explainer video. Vision is considered the most dominant sense, which helps transmit visual information.

While pictures enhance management, think about what video content can do!

• Helps in Building Trust

Trust is the key to amplified sales, conversion rates, and revenues. Nevertheless, building trust is considered a goal on its own. Moreover, the entire concept of content marketing is solely based on procuring long-term relationships and trust.

So it is essential to provide valuable and engaging information to the prospective consumers. However, video content has greater chances of igniting emotions and promoting significant brands. Moreover, promotional videos tend to foster trust in your products and services.

Plenty of customers still has second thoughts about making any purchases online. It is because they fear fraud, lest they get cheated on. This is where effective video marketing makes a difference by presenting your services in the form of conversation.

To Conclude

You must know that video content is regarded as the best marketing tool. This will help businesses generate revenues and increase conversion rates. So if you are thinking about ways to get up, close, and personal with your audience, video content is the most innovative way!

Survey Junkie Review: Make Extra Money Legitimately

Want an easy way to earn money? Survey Junkie is a completely legitimate way to earn money by taking surveys in your spare time, as it won’t replace your full-time job.

Survey Junkie is a B-rated survey panel on Better Business Bureau that helps respondents earn money and influence brands by making their voices heard.

With over 10 million users, Survey Junkie has become a popular choice for people to earn money and make a difference in how products and services are improved.

About Survey Junkie?

Launched in 2005 and based in California, Survey Junkie is a third-party platform that facilitates online surveys for the general public. In exchange for the time spent completing surveys, the company pays you a small fee.

With a track record that now exceeds 14 years, Survey Junkie has since attracted over 6 million members. Their reputation as a legitimate survey company is more evident in the public domain.

They have over 100,000 Facebook likes and a Trusted Driver rating of 8.6/10. Survey Junkie is somewhat different from some of the most popular survey sites in the business, in part because they don’t publish the surveys themselves.

On the contrary, Survey Junkie directs you to other platforms instead. As a result, Survey Junkie acts as an intermediary between you and the company that wants your data.

Although at first glance it may seem unfortunate, Survey Junkie has followed this model successfully since its launch in 2005.

Advantages and disadvantages 

Advantages

• Free registration (it’s a given)
• Earn points when you register
• Redeem your points for a gift card or cash of your choice
• Your survey responses help companies improve their products and services
• Responses are anonymous.
• A+ rating with BBB

Disadvantages

• Too few surveys offered to users
• Low overall payout (usually in the dollar or double digits)
• Only residents of the United States, Canada, and Australia are allowed

How does Survey Junkie work?

Just like many legitimate survey research companies, registration is free. They accept members from the United States, Canada, and Australia, but anyone with an email can register (one registration per person).

You earn points by completing surveys, which can earn you anywhere from $2 to $75 per completed survey. The longer and more detailed the survey, the higher the salary.

There are also chat groups you can join and they will pay even more. Finally, if a company wants to get their new products into the hands of testers, they also have these limited opportunities.

A differentiator with Survey Junkie is that if you don’t qualify for a survey, you still earn points for it.

A lot of other sites won’t give you any points if you don’t qualify (DQ), which is a shame because some demographic questions can take a while to complete.

Being DQ over and over again with nothing to show for is very frustrating.

Many survey sites will present their stats – show they’ve paid millions, how you can make a lot of money doing surveys – but we all know that’s not true.

How much does Survey Junkie pay?

The first thing you need to know about using Survey Junkie is that you won’t get rich.

It’s not meant to provide a full-time income, but rather a good way to earn $50-100 per month.

It’s a great option to earn gift cards to buy things on Amazon. Or it can serve as an additional source of income if you rely on several side businesses to earn a living.

If you just want to do this as a way to indulge in a little retail therapy, you can take a few surveys a day and redeem your points for a gift card whenever the urge to shop hits.

How does Survey Junkie pay you?

You can get gift cards (these will be e-cards, not physical cards sent in the mail) for major retailers like Amazon and Target when you decide to redeem your points.

But you can also get money through PayPal. In the US only, direct bank transfers are available through Survey Junkie’s partner, Dwolla.

To redeem your points regardless of payment method, you must have at least 1,000 points. That doesn’t mean you have to cash in those points when they reach 10,000, though.

If you’d rather let them roll until the end of the year and use those one-time gift cards to buy Christmas presents, you can.

Keeping money in mind, you shouldn’t expect to hit $100 in the first month. Although you will receive surveys when you first sign up, the best survey opportunities will come later.

Survey Junkie encourages you to participate in their demographic surveys.

Once you complete them, you’ll be more likely to be able to complete higher-paying surveys.

In any given month, Survey Junkie may not have many surveys that appeal to your demographic. But the next month you might land a lot.

The key is to be patient and give it time to practice.

How does Survey Junkie pay through PayPal?

There are a few things you need to know:

• PayPal transfer fees: PayPal itself will charge if you transfer money from PayPal to a bank account. These transfer fees usually take around 3% of your money. For $25, you would lose 75 cents. Spending the money directly from your PayPal account avoids these transfer fees.
• PayPal empties your points: By choosing Survey Junkie to send you money, you will redeem all of your Survey Junkie points. There is no option to redeem only part of your points. When you choose a gift card, Survey Junkie allows you to redeem a portion of your points. It’s not a big deal, but it has confused some customers.

How to Improve Your Credit Score

Most Americans don’t take their credit score seriously enough. However, whether it’s applying for a car, student or home loan, apartment lease, or a job that requires handling cash, a good credit score is crucial. But by the time you need to provide a good credit score, it may be too late to remedy the score. The result could be high interest on a loan or credit card, or a failed rental apartment or job opportunity.

The credit score, which ranges from 300 to 850, is a reference for lenders to assess an applicant’s risk profile. The higher the FICO credit score, the better. The 2019 NerdWallet data points out that consumers’ average FICO credit score is around 704, which is in the lower end of the “good” range, but still higher than in the past.

The first step in improving your credit score is to understand what a credit score is made of.

Components of a Credit Score

The credit score depends on several factors, but each factor does not have the same effect on the final score.

Paying bills before the payment deadline (i.e. payment history) has the biggest impact on credit score, accounting for 35%.

Total credit limit utilization (revolving accounts such as credit cards or personal lines of credit) accounts for 30%. Ideally, the credit limit utilization is less than 30% of the total credit limit. For example, if your total credit limit is $1,000, if you want to improve your credit score, you should not use more than $300.

The final three elements that make up a credit score are credit history time (15%), account diversity (10%), and new credit (10%). Lenders prefer to refer to longer-term credit accounts because such accounts can demonstrate a good credit history. At the same time, they are also happy to see a variety of credit types, because it means consumers can flexibly manage multiple accounts at the same time. As for new credit, every time someone checks your credit report, a record is left. Occasional inquiries won’t affect your credit score much, but too many inquiries can affect your credit.

Credit agencies will take these credit behaviors and backgrounds into account and then create a FICO score based on your credit history. Since credit scores are so important, people with low scores should face the problem. A negative credit score can lead to a variety of consequences, including loan rejection, high-interest rates, and loss of eligibility for certain types of jobs.

Are you worried about your credit score not meeting expectations? You can gradually improve and protect your credit score by:

Check your credit report you are entitled to receive free credit reports annually from Equifax, Experian, and TransUnion. You can also get an online credit report at AnnualCreditReport.com. When checking your report, you’ll want to confirm that all information is correct, including account number, credit limit, and balance. If you find discrepancies, you can challenge the credit bureau. Raising a challenge can help you fix mistakes quickly without adversely affecting your score.

Pay your bills on time

One of the main reasons for a bad credit score is not making repayments or paying only part of what is owed without negotiating a new repayment agreement with the creditor. If you often run out of money before you pay your bills, create a household budget to track your spending. You can also schedule your payment into a calendar application before the payment deadline. Your goal is to gradually pay off what you owe. After seven years, credit scores skip missed and late payments.

Keep the credit card used limit below 30% of the limit

Have you maxed out your credit card? This practice amounts to damaging your credit to enjoy greater financial freedom and prolongs the time it takes to repair your credit score. Make sure to pay off your credit card debt on time. When the card debt falls below 30% of the limit, the credit score goes up. When lenders look at your available credit limit, they’re happy to see low usage. Think twice before swiping your card in the future unless you pay off or nearly pay off your balance every month.

Keep the oldest card available

You may be tempted to close all credit accounts, but keep the oldest card available as long as possible. It can help you increase your credit age, which in turn increases lenders’ trust in you. You can also apply to become someone else’s supplementary card user and take advantage of the longer card age of others to slightly improve your credit score. Before agreeing to become a supplementary card user, please check whether the other party has good credit.

Building good credit takes a long time, but remedying a bad score isn’t that difficult. Persevere, step by step. With good money management, you can turn around what your lenders say about you.

History of AARP

AARP is a private nonprofit organization that is the oldest and largest advocacy group for seniors in the United States. The association’s motto is “Serve, Not Be Served,” and the goal of its work is to help older Americans achieve independence, dignity, and an autonomous destiny.

Overview

Name: America Association of Retired Persons (AARP)

AARP is a private nonprofit organization that is the oldest and largest advocacy group for seniors in the United States. The association’s motto is “Serve, Not Be Served,” and the goal of its work is to help older Americans achieve independence, dignity, and an autonomous destiny.

History

In 1947, Dr. Ethel Percy Andrus, a retired educator in California, founded the National Association of Retired Teachers, the predecessor of AARP, to improve the image and status of retirees. In 1955, the association opened up a life insurance program for its members, and many retired faculty members were interested. The association was established in 1958. Today, across the United States, the Association has more than 30 million members and more than 4,000 chapters. During the boom period, 6,700 members joined the club every day. The association is headquartered in Washington, D.C. Anyone, whether working or retired, can become a member as long as they are over the age of 50, recognize the association’s constitution, and pay an annual membership fee of $10. About a third of the members are still working. Funding for the association comes primarily from annual membership fees. Membership also includes a subscription to the bimonthly magazine Modern Maturity and Bulletin.

Although the association is a non-political organization and does not participate in the election of political candidates, it monitors local and national legislation of interest to its members. The association organizes a volunteer program called AARP-Elections to educate voters about issues related to seniors. The association’s long-term goals include financial security and affordability of various health care costs for seniors. The association is also working on improving workplace attitudes towards older people and conducting research on the needs of older populations.

The Association operates an extensive nationwide network of volunteers aimed at enhancing the self-worth and self-reliance of older citizens. About 160,000 volunteers participate in various projects of the association. The Grandparent Information Center provides information and support for seniors who educate their grandchildren. The association also provides training for attorneys representing seniors and working on the state’s free senior legal hotline. Tax Services helps more than 1.5 million seniors prepare their taxes every year. The Association’s Consumer Affairs program continues to inform seniors about a variety of goods and services. The association’s Andrus Foundation (Andrus Foundation) establishes funds for scientific research in gerontology and aging and provides financial support.

The Association provides members with various insurance benefits. For example, there is a collective health insurance program, which provides a lower health insurance interest rate as a supplement to the existing insurance coverage; there are associations of vehicle, housing, life, and other insurance programs.

Magazine

“AARP” magazine, sponsored by the American Association for Older Retirement (AARP), is known as the magazine with the largest circulation in the United States and the world. In 2002, it was merged with “Modern Maturity” and “My Generation” magazine. come. According to the sum of the magazine circulation data published by the Audit Bureau of Circulations (ABC) in the previous year and the previous year, the annual circulation of “AARP” magazine exceeds 40 million copies.

AARP (AppleTalk Address Resolution Protocol, AppleTalk Address Resolution Protocol)

A protocol is used to map a data-link address to an Apple Talk network address.