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July 04, 2009

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Accident Terms and Definitions

Commission
That portion of the premium paid to the agent as compensation for his or her services.

Commissioner of Insurance
The title of the head of most state insurance departments. In some states, the Director or Superintendent of Insurance is used instead.

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

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.

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

Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.

Policy
Written contract of insurance.

Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.

Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.

Contact our Maine Accident Lawyers if you have ever experienced a personal injury and think others are at fault for the accident.

Did You Know?

Speeding-Related Crashes Is Estimated To Be $40.4 Billion Per Year
Speeding is one of the most common factors to traffic crashes. The economic cost to society of speeding-related crashes is estimated by NHTSA to be $40.4 billion per year. In 2004, speeding was a contributing factor in 30% of all fatal crashes, and 13,192 lives were lost in speeding-related crashes.

Newsroom

Insurance Commissioner John Garamendi Announces Arrest Of 19 Suspects For Auto Body Insurence Fraud In Butte

Insurance Commissioner John Garamendi Announces Arrest Of 19 Suspects For Auto Body Insurence Fraud In Butte (“Operation Colla...
Read more >

Sergeant Gives Aid, Support To Car Accident Victim
5/23/2006 Naval AIr Base Fort Worth, Texas
A 301st Fighter Wing security forces squadron member was praised by a local resident for helping...
Read more >

Investigation Was Unable To Uncover
Five weeks ago, I promised the People of Detroit and the citizens of Michigan, my office would conduct a thorough investigation into the allegation...
Read more >

More news >

Terms

Today's Terms

Misdemeanor

Definition:
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.

Comprehensive Coverage

Definition:
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.

Total Loss

Definition:
An insurance company declares a vehicle a total loss when a claim exceeds the full value of the vehicle. Insurance companies typically take possession and obtain the title of such vehicles.

More Terms >

Resources

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Hot Topics

DUI Car Accidents
Aggresive Driving
Catastrophic Injuries
Speeding Accidents

Maine Car Accident Lawyers

If you live in one of the following cities and have been in an auto accident you should contact an Maine Car Accident Lawyers as soon as possible:

Auburn
Augusta
Bangor
Biddeford
Brunswick
Lewiston
Portland

Saco
Sanford
Scarborough
South Portland
Waterville
Westbrook
Windham

Need to find a Car Accident Lawyer Nationwide? Visit CarAccidentAttorneys.com

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