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Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Venue
The specific county, city or geographical area in which a court has jurisdiction
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
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.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
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