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Scrapped
Vehicles that have been dismantled and/or crushed and should not return to the road.
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.
Broker
A person who for payment of a fee procures insurance on your behalf.
Towing & Labor Coverage
Pays for towing charges when your car can’t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance policy are payable.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Comparative Negligence
The percentage of fault shared by each driver in an accident in which both contribute to causing the collision.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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.
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