Accident Terms and Definitions

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.

Quote
An estimate of the cost of insurance based on information supplied to the insurance company.

Negligence
The absence of ordinary care.

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

Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.

Dismantled Title
The vehicle sustained major damage to one or more major component parts and the cost of repairing the vehicle for safe operation exceeds its fair market value.

Policy
Written contract of insurance.