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Negligence
The absence of ordinary care.
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.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Cancellation
The termination of an insurance policy before its normal expiration date.
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.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Salvage
Property taken over by an insurer to reduce its loss.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Insurer
The insurance company providing the insurance.
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