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Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Broker
A person who for payment of a fee procures insurance on your behalf.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Replacement Cost
Replacement cost is the cost of replacing lost or damaged property with new property of like kind and quality, at current market prices.
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