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Misdemeanor
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.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Premium
The money paid for an insurance policy based upon the coverage provided.
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.
Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.
Cancellation
The termination of an insurance policy before its normal expiration date.
Negligence
The absence of ordinary care.
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