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Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Premium
The money paid for an insurance policy based upon the coverage provided.
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.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Broker
A person who for payment of a fee procures insurance on your behalf.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
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