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Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
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