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Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Negligence
The absence of ordinary care.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Total Loss
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Insurer
The insurance company providing the insurance.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
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.
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