Accident Terms and Definitions

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.

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

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).

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.

Broker
A person who for payment of a fee procures insurance on your behalf.

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

Insured
The person(s) entitled to coverage in case of an accident or loss.

Insurer
The insurance company providing the insurance.

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