Accident Terms and Definitions

Nonrenewal
The termination of an insurance policy at its normal expiration date.

Venue
The specific county, city or geographical area in which a court has jurisdiction

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.

Junk Title
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.

Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.

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

Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.

Replacement Cost
Replacement cost is the cost of replacing lost or damaged property with new property of like kind and quality, at current market prices.

Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.

Accident
A collision involving an automobile and anything that causes damage to the automobile, including other automobiles, telephone poles, buildings, and trees.