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Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
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.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
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