Accident Terms and Definitions

Policy
Written contract of insurance.

Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.

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.

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

Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

Venue
The specific county, city or geographical area in which a court has jurisdiction

Cancellation
The termination of an insurance policy before its normal expiration date.

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.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.