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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.
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).
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
Broker
A person who for payment of a fee procures insurance on your behalf.
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.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Premium
The money paid for an insurance policy based upon the coverage provided.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
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