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Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.
Insurer
The insurance company providing the insurance.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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