Accident Terms and Definitions

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.

Salvage
Property taken over by an insurer to reduce its loss.

Uninsured Motorist Coverage (UMC)
Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance.

Broker
A person who for payment of a fee procures insurance on your behalf.

Policy
Written contract of insurance.

Insurer
The insurance company providing the insurance.

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.

Producer
A term applied to an agent, solicitor or other person who sells insurance.

Private Passenger Automobile
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.