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Nonrenewal
The termination of an insurance policy at its normal expiration date.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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.
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.
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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
Premium
The money paid for an insurance policy based upon the coverage provided.
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