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Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Negligence
The absence of ordinary care.
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.
Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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.
Salvage
Property taken over by an insurer to reduce its loss.
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