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Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Salvage
Property taken over by an insurer to reduce its loss.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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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