Accident Terms and Definitions

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

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.

Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.

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.

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

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

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

Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.

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