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Negligence
The absence of ordinary care.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
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.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
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.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Premium
The money paid for an insurance policy based upon the coverage provided.
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