Accident Terms and Definitions

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

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.

Insured
The person(s) entitled to coverage in case of an accident or loss.

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

Quote
An estimate of the cost of insurance based on information supplied to the insurance company.

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

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

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.