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Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Negligence
The absence of ordinary care.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Broker
A person who for payment of a fee procures insurance on your behalf.
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.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
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