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Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
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.
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