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Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.
Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Premium
The money paid for an insurance policy based upon the coverage provided.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
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).
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