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Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
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).
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.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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