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Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
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.
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.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
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.
Venue
The specific county, city or geographical area in which a court has jurisdiction
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