Accident Terms and Definitions

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.

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.

Dismantled Title
The vehicle sustained major damage to one or more major component parts and the cost of repairing the vehicle for safe operation exceeds its fair market value.

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.

Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Venue
The specific county, city or geographical area in which a court has jurisdiction

Insurer
The insurance company providing the insurance.

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.