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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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Negligence
The absence of ordinary care.
Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.
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