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Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Insurer
The insurance company providing the insurance.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.
Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
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