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Surcharge
An extra charge applied to the premium by the insurer, usually for at fault accidents or moving violations.
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.
Premium
The money paid for an insurance policy based upon the coverage provided.
Misdemeanor
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Summons
Document or writ directing the sheriff or other officer to notify a person that an action has been commenced against him in court and that he is required to appear, on a certain day, and answer the complaint in such action.
Full Tort
With this selection you retain unrestricted rights to bring suit against the negligent party.
Commission
That portion of the premium paid to the agent as compensation for his or her services.
Premium Finance Company
A lending institution that finances insurance premiums for a fee.
Insured
The person(s) entitled to coverage in case of an accident or loss.
Subpoena
Document issued by the authority of the court to compel a witness to appear and give testimony or produce documentary evidence in a proceeding. Failure to appear or produce is punishable by contempt of court.
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