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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.
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.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
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.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.
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