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Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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.
Negligence
The absence of ordinary care.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
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