rider

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Rider

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.

rider

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.

rider

noun accompaniment, addendum, additament, addition, additional clause, adjunct, affix, amendment, appendage, appendant, appendix, appurtenance, augmentation, complement, continuation, extension, insertion, postscript, subjunction, subscript, supplement
Associated concepts: codicil, rider to a contract
See also: addendum, allonge, amendment, appendix, legislation, supplement

rider

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.

References in periodicals archive ?
It adds: "After the fall, the horse got up and carried on running and jumping fences riderless.
A riderless horse joined the procession to symbolise a fallen leader and a pair of Mr Reagan's boots were turned backward in the stirrups to signify the loss of a rider.
A riderless horse, with a pair of Reagan's boots pointing west, hung from the saddle, symbolised the fallen president.
But the drama was not over as Florida Pearl's riderless rival picked himself up and drew alongside on the run to the final fence.
County Sheriff's Deputy Dave Disbro walks a riderless horse, symbolizing law enforcement officers and firefighters who have been killed in the line of duty.
Not only would this prevent riderless horses from galloping on, jumping more fences and potentially injuring themselves, it would also prevent loose horses from interfering with or bringing down the other runners.
French-trained Original went in at 66-1 while German raider Fiepes Shuffle, the horse who did his best to spike Master Minded's chances when riderless in the Tingle Creek at Sandown, put some classy two-milers in their place at 16-1.
Graham Lee reported that his mount "had loved it" and the only worry was the presence of a riderless horse, but the seven-year-old took it all in his stride.
His ride dashed him into the tapes and carried on riderless while Durr chased her in a cab
The service will feature a riderless horse; the Junior ROTC from Lancaster, Antelope Valley, Littlerock and Highland high schools; and a 21-gun salute by the Antelope Valley High School Cadet Corps.
Eight of the 15 runners completed the course this time, though leading fancy Meadowbank fell at the second and Paddy's Return - who caused the chaos when galloping riderless in last season's National - unseated his rider at the Chair.
Ferdy Murphy, who won last year's race with Paris Pike, is likely to be represented on Saturday by Paddy's Return, the horse responsible for taking out a quarter of the field in the Grand National when veering riderless across the 10th fence.