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Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Insured
The person(s) entitled to coverage in case of an accident or loss.
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.
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.
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.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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