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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.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Broker
A person who for payment of a fee procures insurance on your behalf.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
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