Accident Terms and Definitions

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.

Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.

Negligence
The absence of ordinary care.

Flood Damage Title
States issue flood titles when a vehicle has been in a flood or has received extensive water damage.

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

Binder
A temporary or preliminary agreement which provides coverage until a policy can be issued/delivered.

Insurer
The insurance company providing the insurance.

Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.

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

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