Accident Terms and Definitions

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

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

Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.

Insurer
The insurance company providing the insurance.

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

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.

Dismantled Title
The vehicle sustained major damage to one or more major component parts and the cost of repairing the vehicle for safe operation exceeds its fair market value.

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

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.

Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.