Accident Terms and Definitions

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

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.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.

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

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.

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.

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.

Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

Broker
A person who for payment of a fee procures insurance on your behalf.