Accident Terms and Definitions

Insured
The person(s) entitled to coverage in case of an accident or loss.

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.

Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.

Negligence
The absence of ordinary care.

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.

Venue
The specific county, city or geographical area in which a court has 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.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.