Accident Terms and Definitions

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.

Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.

Cancellation
The termination of an insurance policy before its normal expiration date.

Dismantled Title
The vehicle sustained major damage to one or more major component parts and the cost of repairing the vehicle for safe operation exceeds its fair market value.

Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.