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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.
Negligence
The absence of ordinary care.
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.
Salvage
Property taken over by an insurer to reduce its loss.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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