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Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Insurer
The insurance company providing the insurance.
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