Accident Terms and Definitions

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

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

Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.

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.

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

Venue
The specific county, city or geographical area in which a court has jurisdiction

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

Quote
An estimate of the cost of insurance based on information supplied to the insurance company.