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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.
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.
Venue
The specific county, city or geographical area in which a court has jurisdiction
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.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Premium
The money paid for an insurance policy based upon the coverage provided.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
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Did You Know?