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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.
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.
Comprehensive Coverage
Pays for damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, etc.
Policy
Written contract of insurance.
Venue
The specific county, city or geographical area in which a court has jurisdiction
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.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.
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.
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