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Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Broker
A person who for payment of a fee procures insurance on your behalf.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Cancellation
The termination of an insurance policy before its normal expiration date.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Salvage
Property taken over by an insurer to reduce its loss.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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