Accident Terms and Definitions

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.

Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.

Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.

Quote
An estimate of the cost of insurance based on information supplied to the insurance company.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.

Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.

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.

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Insured
The person(s) entitled to coverage in case of an accident or loss.