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Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Policy
Written contract of insurance.
Cancellation
The termination of an insurance policy before its normal expiration date.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.
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.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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