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Negligence
The absence of ordinary care.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
Venue
The specific county, city or geographical area in which a court has jurisdiction
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.
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.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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Did You Know?