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Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Policy
Written contract of insurance.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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.
Premium
The money paid for an insurance policy based upon the coverage provided.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
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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