Accident Terms and Definitions

Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

Negligence
The absence of ordinary care.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

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

Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.

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

Producer
A term applied to an agent, solicitor or other person who sells insurance.

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

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

Premium
The money paid for an insurance policy based upon the coverage provided.