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February 27, 2010

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Accident Terms and Definitions

Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.

Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.

Replacement Cost
Replacement cost is the cost of replacing lost or damaged property with new property of like kind and quality, at current market prices.

Commission
That portion of the premium paid to the agent as compensation for his or her services.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.

Producer
A term applied to an agent, solicitor or other person who sells insurance.

Contact our Montana Accident Lawyers if you have ever experienced a personal injury and think others are at fault for the accident.

Did You Know?

Studies Discover The Level Of Education A Person Has, Corresponds With Their Vehicle Death Rate
A study by the Insurance Institute for Highway Safety found that the level of education a person has corresponds with their vehicle death rate. Men and women without a high school diploma had three times the fatality risk of those who had some education beyond high school.

	Newsroom
	Fatal Traffic Crash - Highway 97 north of Oregon / California Border Oregon State Police troopers are continuing the investigation of a fatal traffic crash in which a California resident, who was a student at Oregon ... Read more > Traffic Accident Leads Iraqi Army To Massive Weapons Cache At approximately 12:30 a.m., Feb. 6, soldiers from the 2nd Brigade, 2nd Iraqi Army Division were on a routine patrol when they accidentally collide... Read more > Risked The Life Of A State Employee Just after noon on Thursday (August 12), Washington State Department of Transportation Maintenance Technician 2 Guy Copeland was busy mowing ... Read more > More news >

Terms

Today's Terms

Accident

Definition:
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Surcharge

Definition:
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.

Uninsured Motorist Coverage (UMC)

Definition:
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

More Terms >

Resources

More Resources >

Hot Topics

DUI Car Accidents
Aggresive Driving
Catastrophic Injuries
Speeding Accidents

Montana Car Accident Lawyers

If you live in one of the following cities and have been in an auto accident you should contact an Montana Car Accident Lawyers as soon as possible:

Belgrade
Billings
Bozeman
Butte
Columbia Falls
Great Falls
Hamilton
Havre
Helena

Kalispell
Laurel
Libby
Livingston
Miles City
Missoula
Polson
Whitefish

Need to find a Car Accident Lawyer Nationwide? Visit CarAccidentAttorneys.com

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