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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.
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.
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.
Policy
Written contract of insurance.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.
Premium
The money paid for an insurance policy based upon the coverage provided.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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