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Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Negligence
The absence of ordinary care.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Producer
A term applied to an agent, solicitor or other person who sells insurance.
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.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
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