Accident Terms and Definitions

Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.

Insured
The person(s) entitled to coverage in case of an accident or loss.

Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.

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.

Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.

Negligence
The absence of ordinary care.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.

Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.

Policy
Written contract of insurance.

Insurer
The insurance company providing the insurance.