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Premium
The money paid for an insurance policy based upon the coverage provided.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.
Salvage
Property taken over by an insurer to reduce its loss.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Insured
The person(s) entitled to coverage in case of an accident or loss.
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