Accident Terms and Definitions

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

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.

Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.

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

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Negligence
The absence of ordinary care.

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.

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