Accident Terms and Definitions

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

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

Underinsured Motorist Coverage
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).

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

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.

Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.

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.

Dismantled Title
The vehicle sustained major damage to one or more major component parts and the cost of repairing the vehicle for safe operation exceeds its fair market value.

Policy
Written contract of insurance.

Collision
Pays for damage to your car caused by a collision with another vehicle or with any other object, regardless who was at fault.