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Producer
A term applied to an agent, solicitor or other person who sells insurance.
Negligence
The absence of ordinary care.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
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