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Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Loss Due To Fire Title
The vehicle sustained major damage due to fire. In most states, fire damage titles are issued when the cost of repairing the vehicle for safe operation exceeds its fair market value.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Cancellation
The termination of an insurance policy before its normal expiration date.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Insured
The person(s) entitled to coverage in case of an accident or loss.
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