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Negligence
The absence of ordinary care.
Nonrenewal
The termination of an insurance policy at its normal expiration date.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Broker
A person who for payment of a fee procures insurance on your behalf.
Cancellation
The termination of an insurance policy before its normal expiration date.
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