Accident Terms and Definitions

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

Venue
The specific county, city or geographical area in which a court has jurisdiction

Broker
A person who for payment of a fee procures insurance on your behalf.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.

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

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

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.

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).