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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.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Negligence
The absence of ordinary care.
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.
Premium
The money paid for an insurance policy based upon the coverage provided.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Salvage
Property taken over by an insurer to reduce its loss.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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