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Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
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