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Broker
A person who for payment of a fee procures insurance on your behalf.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Premium
The money paid for an insurance policy based upon the coverage provided.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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