Accident Terms and Definitions

Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.

Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.

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

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Insurer
The insurance company providing the insurance.

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.

Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Venue
The specific county, city or geographical area in which a court has jurisdiction

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.