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Insured
The person(s) entitled to coverage in case of an accident or loss.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Negligence
The absence of ordinary care.
Broker
A person who for payment of a fee procures insurance on your behalf.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Premium
The money paid for an insurance policy based upon the coverage provided.
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.
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