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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).
Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Cancellation
The termination of an insurance policy before its normal expiration date.
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.
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