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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.
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.
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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Broker
A person who for payment of a fee procures insurance on your behalf.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
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.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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