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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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Policy
Written contract of insurance.
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).
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
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