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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.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Loss Due To Fire Title
The vehicle sustained major damage due to fire. In most states, fire damage titles are issued when the cost of repairing the vehicle for safe operation exceeds its fair market value.
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.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Cancellation
The termination of an insurance policy before its normal expiration date.
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.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
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.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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