Accident Terms and Definitions

Liability Insurance
Coverage for a policyholder's legal liability resulting from injuries to other persons or damage to their property.

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

Vehicle ID No. (VIN)
This 17 character number is unique to each vehicle. It identifies characteristics of the vehicle, including manufacturer, year, model, body, engine specifications, and serial number.

Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.

Limits
The maximum amount of benefits the insurance company agrees to pay in the event of a loss.

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

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

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

Claim
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.

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