Accident Terms and Definitions

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.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.

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.

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.

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.

Insurer
The insurance company providing the insurance.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

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

Policy
Written contract of insurance.

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