Accident Terms and Definitions

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Venue
The specific county, city or geographical area in which a court has jurisdiction

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.

Policy
Written contract of insurance.

Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.

Negligence
The absence of ordinary care.

Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.

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.