Accident Terms and Definitions

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.

Commission
That portion of the premium paid to the agent as compensation for his or her services.

Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

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.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.