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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.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Broker
A person who for payment of a fee procures insurance on your behalf.
Salvage
Property taken over by an insurer to reduce its loss.
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.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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.
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