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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.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Broker
A person who for payment of a fee procures insurance on your behalf.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
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.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
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Did You Know?