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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.
Hit and Run
An accident caused by someone who does not stop to assist or provide the required and necessary information.
Witness
Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
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.
Broker
A person who for payment of a fee procures insurance on your behalf.
Subrogation
The process in which an insurance company, after paying a loss to its insured, recovers the amount of the loss for damages (plus the insured's deductible) from the legally liable party.
Insurer
The insurance company providing the insurance.
Hearsay
Evidence based on what the witness has heard someone else say, rather than what the witness has personally experienced or observed.
Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
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