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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.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
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.
Salvage
Property taken over by an insurer to reduce its loss.
Exclusion
A contractual provision in an insurance policy that denies coverage for certain perils, persons, property, or locations.
Negligence
The absence of ordinary care.
Quote
An estimate of the cost of insurance based on information supplied to the insurance company.
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.
Insurer
The insurance company providing the insurance.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
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