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Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.
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.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.
Airbag Deployment
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Premium
The money paid for an insurance policy based upon the coverage provided.
Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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