Accident Terms and Definitions

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

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.

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.

Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.

Salvage
Property taken over by an insurer to reduce its loss.

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

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

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

Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

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.