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Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Negligence
The absence of ordinary care.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
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