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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.
Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Broker
A person who for payment of a fee procures insurance on your behalf.
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