Accident Terms and Definitions

Policy
Written contract of insurance.

Salvage
Property taken over by an insurer to reduce its loss.

Quote
An estimate of the cost of insurance based on information supplied to the insurance company.

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.

Nonrenewal
The termination of an insurance policy at its normal expiration date.

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

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.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.

Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

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.