Accident Terms and Definitions

Producer
A term applied to an agent, solicitor or other person who sells insurance.

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

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

Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Policy
Written contract of insurance.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

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.

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

Cancellation
The termination of an insurance policy before its normal expiration date.