Accident Terms and Definitions

Nonrenewal
The termination of an insurance policy at 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.

Policy
Written contract of insurance.

Medical Payments Coverage
Covers the medical costs (up to the specified limit you choose) resulting from an auto accident for you, your family, and others in your car. It pays regardless of fault.

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

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

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

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.

Limited Tort
Offers savings on your premiums. You are still able to recover all out-of-pocket medical and other expenses, however you are not able to recover non-monetary damages or receive payments for pain and suffering unless injuries are defined as serious.