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Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Replacement Cost
Replacement cost is the cost of replacing lost or damaged property with new property of like kind and quality, at current market prices.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
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.
Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
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.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
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